k|f]S;L lgo 'Qm kmf/fdjebils.com/wp-content/uploads/2017/09/6thAnnualReport.pdfk|f]S;L lgo 'Qm kmf/fd >L ;~rfns ;ldlt, h]laN; kmfO {gfG; lnld6 ]8 Go"/f

5}7f}+ jflif{s k|ltj]bg @)&!÷)&@

k|f]S;L lgo'Qm kmf/fd>L ;~rfns ;ldlt,h]laN; kmfO{gfG; lnld6]8Go"/f]8, sf7df8f}+ .

ljifoM k|ltlglw lgo'Qm u/]sf] af/] .

============================== c~rn================================ lhNnf ========================== g=kf÷uf=la=;= j8f g+= ================ a:g] d÷xfdL ================================== n] To; ljQLo ;+:yfsf] z]o/wgLsf] x}l;otn] @)&@ ;fn kf}if dlxgf #) ut] ljlxaf/sf lbg x'g] 5}+7f}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ========================== c~rn======================== lhNNff ======================== g=kf=÷uf=la=;= j8f g+= =================== a:g] >L==================================================================================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

k|ltlglw lgo'Qm ePsf] JolQmsf],

x:tfIf/sf] gd'gf M ==================================================

gfd M ==================================================

z]o/ k|df0f kq g++= M ==================================================

z]o/wgL g+= M ================================================== lgj]bs

b:tvt M ================================================

gfd M ================================================

7]ufgf M ================================================

z]o/ k|df0f kq g++ M ===================================

z]o/ ;+Vof M ====================================

z]o/wgL g+= M ====================================

b|i6Jo M of] lgj]bg ;fwf/0f ;ef x'g'eGbf sDtLdf &@ 306f cufj} ljQLo ;+:yfsf] /lhi6{8 sfof{nodf k]z ul/;Sg' kg]{5 . PseGbf a9L k|ltlglw -k|f]S;L_ gfp‘ pNn]v u/]df k|ltlglw -k|f]S;L_ lgo'Qm u/]sf] kmf/fd /2 ul/g] 5 .

==================================================================================================================================================================================================

h]laN; kmfO{gfG; lnld6]8sf]

5}7f}+ jflif{s ;fwf/0f ;efdf pkl:yltsf] nflu

k|j]z kq

z]o/wgLsf] gfdM ============================================z]o/k|df0f kq g+= ============================================z]o/;+VofM ============================================z]o/wgL g+= M ============================================z]o/wgLsf] b:tvtM ============================================

====================== sDkgL ;lrj

1


ljifo ;"rL

– jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf @

– ;fwf/0f ;efsf nflu ;+rfns ;ldltsf] t˚{af6 cWoIfsf] k|ltj]bg #–$

– sDkgL P]g @)^# sf] b˚f !)( adf]lhdsf] ljj/0f %–&

– ;+rfnsx¿sf] shf{ ;DaGwL :j3f]if0ff *

– cf= j= )&!÷)&@ sf] nflu n]vfk/LIfssf] k|ltj]bg (

– jf;nft !)

– gf˚f gf]S;fg lx;fa !!

– gf˚f gf]S;fg af“8˚f“8 lx;fa !@

– gub k|jfx ljj/0f !#

– OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f !$

– cf= j= )&!÷)&@ sf] cg';"rLx¿ $=! b]lv $=#! ;Dd !%–$)

– k|d'v n]vf gLlt -cg';"rL $=#@_ $!–$@

– n]vf ;DaGwL l6Kk0fLx¿ -cg';"rL $=##_ $#–$^

– cg';"rL $=#$ b]lv $ c ;Dd $&–$(

– jflif{s k|ltj]bg k|sfzgsf] nflu g]kfn /fi6« a}+saf6 k|bfg ul/Psf]

:jLs[lt, tf]lsPsf zt{ tyf lgb]{zgx¿ %)

– g]kfn /fi6« a}+ssf] kqsf] ;DaGwdf ;+rfns ;ldltsf] k|To'Q/ %!

– k|aGwkq tyf lgodfjnLdf ;+zf]wg k|:tfj %@

2

5}7f}+ jflif{s k|ltj]bg @)&!÷)&@h]laN; kmfO{gfG; lnld6]8

Go"/f]8, sf7df8f}+sf]

5}+7f}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf>L z]o/wgL dxfg'efjx?,ldlt @)&@÷)(÷)% ut] a;]sf] ;~rfns ;ldltsf] !)( cf}+ a}7ssf] lg0f{ofg';f/ o; ljQLo ;+:yfsf]] 5}7f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, ;do,:yfgdf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf]n] ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ pkl:yltsf nflu xflb{s cg'/f]w ub{5' .;ef x'g] ldlt, ;do / :yfg Mldlt M @)&@ Kff}if #) ut] -tbg';f/ hgj/L !$, @)!^_ lalxaf/ .;do M laxfgsf] !!M)) ah]:yfg M g]kf AofGSj]6, k'iknfn dfu{, v'l;a'F, sf7df08f} .5nkmnsf ljifox? M s_ ;fdfGo k|:tfj

!= cfly{s jif{ @)&!÷)&@ sf] ;+rfns ;ldltsf] jflif{s k|ltj]bg pk/ 5nkmn ul/ kfl/t ug]{ .@= n]vfk/LIfssf] k|ltj]bg ;lxt @)&@ ;fn cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt ePsf] cf=j= )&!÷)&@ sf] gfkmf gf]S;fg lx;fa,

gfkmf gf]S;fg afF8kmFf8 lx;fa / ;f]lx cjwLsf] gub k|jfx ljj/0f, tt\;DaGwL cg';"rLx? 5nkmn ul/ kfl/t ug]{ .#= n]vfk/LIf0f ;ldltn] l;kmfl/; u/] adf]lhd cf=j= @)&@÷&# sf] n]vfk/LIf0f ug{sf] nflu n]vfk/LIfssf] lgo'lQm ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ .$= ;+rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k"+hLsf] )=**!^ k|ltztsf b/n] x'g] ?=!(,#(,$&#=^* -af]g; z]o/df nfUg] s/ k|of]hgsf] nflu_ gub

nfef+z ljt/0f l:js[t ug]{ . %= k|wfgdGqL b}aL k|sf]k /fxt sf]ifdf o; ;+:yfsf] tkm{jf6 k|bfg gub ;xfotf /sdnfO{ cg'df]bg ug]{ .

v_ laz]if k|:tfj!= ;+rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k"+hL ?=@@ s/f]8sf] !^=&% k|ltztsf b/n] x'g cfpg] ?=#,^*,%),)))=))-tLg s/f]8 c/;f¶L nfv

krf; xhf/ dfq_ af]g; z]o/ ljt/0f ug]{ .@= o; ljQLo ;+:yf / cGo s'g} klg pko'Qm a}+s jf ljQLo ;+:yf Ps cfk;df ufEg]÷ufleg] (Merger) jf k|fKtL÷;dflxt (Acquisition) ug]{, u/fpg]

tyf ufEg], ufleg] jf k|fKtL ;dflxt ;DaGwL cfjZos ;Demf}tf ug]{, ;DklQ tyf bfloTjsf] d'NofÍg (Due Dilligence Audit) ug{ d'NofÍgstf{ lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] nufot ufEg], ufleg] jf k|fKtL ;dflxt ;DaGwL ;Dk"0f{ sfo{ ug{ Pj+ k|s[of k'/f ug{ ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

#= ;+:yfsf] k|aGw kq tyf lgodfjnL ;+zf]wg ;DaGwL k|:tfj kfl/t ug]{ .$= ;+:yfsf] k|aGw kq tyf lgodfjnL ;+zf]wg ug{ cg'dlt lng'kg]{ lgsfox?af6 k|fKt x'g cfpg] lgb]{zg adf]lhd s'g} s}lkmot ePdf ;f] ;+zf]wg ug{sf]

nflu ;+rfns ;ldltnfO{ clwsf/ k|Tofof]hg ug]{ ;DaGwdf .

u_ ljljw .

;~rfns ;ldltsf] cf1fn], sDkgL ;lrj

;fwf/0f ;ef ;DaGwL yk hfgsf/L != jflif{s ;fwf/0f ;ef k|of]hgsf nflu sDkgLsf] z]o/wgL btf{ k'l:tsf tyf ;fwf/0f z]o/ bflvn vf/]hsf] sfd ldlt @)&@÷)(÷!$ ut] b]lv @)&@÷)(÷#) ut];Dd aGb

/xg] 5 . g]kfn :6s PS;r]Gh lnld6]8df @)&@÷)(÷!# ut];Dd sf/f]jf/ eO{ ;f] sf] ;ft sfo{ lbg leq o; ;+:yfsf] z]o/ /lhi6«f/ >L Pg=l;=Pd= dr]{06 a}+lsË lnld6]8df k|fKt z]o/ gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL btf{ lstfadf sfod z]o/wgLx?n] dfq ;f] ;efdf efu lng, af]g; z]o/ tyf gub ,nfef+z k|fKt ug]{ 5g\ .

@= ;efdf 5nkmn ul/g] ;~rfns ;ldltsf] k|ltj]bg tyf n]vfk/LIfssf] k|ltj]bg ;lxtsf] k|ltj]bg z]o/wgLx?sf] 7]ufgfdf k|]lift ul/g]5 . sy+sbflrt pQm sfuhftx? gk'u]df o;}nfO{ ;"rgf dfgL ;efdf kfNg' x'g cg'/f]w 5 .

#= ;efdf efu lng cfp+bf z]o/wgL dxfg'efjx?n] cfkm\gf] kmf]6f] ePsf] s'g} kl/ro kq jf ;Ssn z]o/ k|df0fkq jf ;+:yfsf] z]o/ cef}ltsLs/0f u/]sf] b]lvg] cef}ltsLs/0f vftf (DMAT Account) sf] ljj/0f (BOID Statement) ;fydf lnO{ cfpg' x'g cg'/f]w 5 .

$= z]o/wgL dxfg'efjx?n] pkl:ylt k'l:tsfdf b:tvt ug{ z]o/wgL pkl:ylt k'l:tsf laxfg !)M)) ah] b]lv g} v'Nnf /xg]5 . %= s'g} z]o/wgL ;efdf :jo+ pkl:yt x'g g;Sg] ePdf ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L kmf/fd_ e/L ;+:yfsf] /lhi68{ sfof{no Go"/f]8df ;ef z'? x'g' eGbf

slDtdf &@ 306f cufl8 lgj]bg btf{ u/L ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'QmL ul/Psf] JolQm o; ;+:yfsf] z]o/wgL x'g' cfjZos 5 . -ldlt @)&@÷)(÷@& ut] lbgsf] !!M)) leq lgj]bg btf{ u/L ;Sg' kg]{5 ._

^= ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm u/L ;s]kl5 ;DalGwt z]o/wgL cfkm} ;efdf pkl:yt x'g jf k|ltlglw km]/abn ug{ rfx]df ;ef z'? x'g'eGbf $* 306f cufl8 g} ;f] sf] ;"rgf o; sfof{nodf k7fpg' x'g cg'/f]w 5 .

&= s'g} z]o/wgLn] Ps eGbf a9L k|ltlglw d's// u/]sf]df ljQLo ;+:yfsf] sfof{nodf klxnf] btf{ ePsf] k|f]S;LnfO{ dfGotf lbO{g] 5 .*= gfafns jf ljlIfKt z]o/wgLsf] xsdf ljQLo ;+:yfsf] z]o/wgL btf{ k'l:tsfdf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] dfq ;fwf/0f ;efdf efu lng jf k|ltlglw

-k|f]S;L_ tf]Sg ;Sg]5 .(= ;o'Qm ?kdf ;fwf/0f z]o/ lng] z]o/wgLx?sf] xsdf To:tf] z]o/wgLx? dWo]jf6 ;j{;Ddt ?kdf dgf]lgt k|ltlglwn] jf ;f] adf]lhd s'g} k|ltlglw lgo'Qm gePdf

z]o/wgLx?sf] btf{ lstfadf klxn] gfd pNn]v ePsf] z]o/wgLn] dfq ;fwf/0f ;efdf efu lng kfpg]5 .!)= ;efdf ;a} z]o/wgLx?n] cfkm\gf] dGtJo jf k|Zgx? /fVg ;Sg]5g\ . ;f]sf] hjfkm ;+rfns ;ldltn] ;fd'lxs ?kn] jf cWoIfsf] cfb]z kfPsf] AolQmn] lbg]5 . ljljw

lzif{s cGtu{t 5nkmnsf s'g} ljifodf z]o/wgL dxfg'efjx?sf] lh1f;f k|Zgx? ePdf ;ef x'g'eGbf & -;ft_ lbg cufj} lnlvt ?kdf sDkgL ;lrj dfkm{t ljQLo ;+:yfsf k|d'v sfo{sf/L clws[tnfO{ pknAw u/fpg' kg]{5 .

!!= ;fwf/0f ;ef ;DaGwdf z]o/wgLx?nfO{ yk hfgsf/L cfjZos ePdf ;+:yfsf] /lhi68{ sfof{nodf sfof{no ;doleq ;Dks{ /fVg x'g cg'/f]w ub{5' . ;fy} ljQLo ;+:yfsf] j]j ;fO6 www.jebils.com df ;d]t x]g{ ;lsg]5 .

3


h]laN; kmfO{gfG; lnld6]8sf]5}7f}+ jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6cWoIf >L lagf]b s'df/ dfgGw/Ho"åf/f k|:t't k|ltj]bg

cfb/0fLo z]o/wgL dxfg'efjx?,

o; ljQLo ;+:yfsf] 5}7f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;+rfns ;ldltsf] tkm{af6 d xflb{s :jfut Pj+ clejfbg ub{5' .

oxfFx? ;dIf o; ljQLo ;+:yfsf] cfly{s jif{ @)&!÷&@ sf] jf;nft, gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f, tt\;DalGw cg';"rLx? pk/ n]vfk/LIfssf] k|ltj]bg tyf

;~rfns ;ldltsf] jflif{s k|ltj]bg k|:t't ug{ cg'dlt rfxG5' .

-s_ ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg M

o; ;+:yfsf] cf=j= @)&)÷&! / @)&!÷&@ sf] t'ngfTds cfly{s ljj/0f lgDgfg';f/ 5g\ .

ljj/0f cf=j= @)&)÷&! cf=j= @)&!÷&@ 36j9 -∞_r'Qmf k+"hL 220,000,000.00 256,850,000.00 16.75

hu]8f tyf sf]if 16,464,365.01 26,496,991.46 60.94

s"n lgIf]k bfloTj 767,659,248.97 864,119,539.07 12.57

s"n shf{ tyf ;fk6 672,039,654.40 812,525,795.39 20.90

nufgL 84,841,386.87 67,612,794.20 -20.31_

s"n cfDbfgL 167,674,289.14 168,930,777.38 0.75

s"n vr{ 103,853,173.66 99,333,304.38 -4.35_

gf]S;fgL Joj:yf kl5sf] s"n ;+rfng gfkmf 70,203,227.03 76,557,220.30 9.05

s/ cl3sf] v"b d'gfkmf 63,821,115.48 69,597,473.00 9.05

cfos/ Joj:yf 21,102,999.82 18,778,984.00 -11.01_

v"b d'gfkmf 45,602,596.38 48,822,100.14 7.06

k"+hLsf]if kof{Kttf 29.25 29.15 -0.34_

cf=j @)&)÷&! sf] t'ngfdf cf=j= @)&!÷&@ df lgIf]k !@=%& k|ltztn], shf{ @)=() k|ltztn] a[l4 eO{ v"b gfkmfdf &=)^ k|ltztn] a[l4 ePsf] Joxf]/f hfgsf/L u/fpg rfxG5' . ;dli6ut ?kdf ljQLo sf/f]jf/sf] l;+xfjnf]sg ubf{ cl3Nnf] cfly{s jif{sf] t'ngfdf ;du| cfly{s ;"rsf+Íx? ;Gtf]ifhgs ?kdf a[l4 ePsf] hfgsf/L u/fpg rfxG5' .

-v_ /fli6«o tyf cGt/fli6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? M xfnsf jif{x?df ljZjsf] cy{tGq lzlyn ePsf] b]lvG5 . b]zdf /fhg}lts cl:y/tf oyfjt\ x'g'sf sf/0f klg cfly{s a[l4df vf; k|ult x'g

;s]g . xfn} uPsf] ljgfzsf/L e'sDk / To:sf] cg]sf}+ k/fsDkgx?af6 ePsf] wghg tyf k"jf{wf/sf] Ifltn] b]znfO{ cfly{s ?kn] gsf/fTds c;/ k/]sf] ;j{ljlbt} 5 . e'sDkaf6 lgDTofPsf] xfgL gf]S;fgLaf6 a}lsË If]q c5'6f] /xg ;s]g . o;sf] gsf/fTds c;/ Jofkf/ Joj;fo, ko{6g Joj;fodf k/L a}+s tyf ljQLo ;+:yfx?sf] u|fxsju{df kg{ uO{ ljQLo ;+:yfn] k|jfx u/]sf] shf{ tyf nufgLdf c;/ k/]sf] 5 . To:t} ut rf/ dlxgf b]lv x'+b} cfPsf] dw]z cfGbf]ng / ef/t;+u hf]l8Psf] gfsfx?df b]lvPsf] cj/f]wn] Jofkf/ Joj;fo, lzIff, :jf:Yo ul/ x/]s If]qdf gsf/fTds c;/ kf/L b]zsf] hghLjg b]lv cfly{s If]qdf bL3{sflng c;/ k/]sf] ;j{ljlbt} 5 . laleGg cf}Bf]lus tyf ;+:yfx?df b]lvPsf] bIf hgzlQmsf] cefj tyf cGo laleGg ;d:ofsf sf/0fx?n] ubf{ pBf]u Joj;fo km:tfpg t stf xf] stf ePsf] pBf]u Joj;fo klg ;f+3'l/b} uPsf 5g\ . ;fy} 3/hUufdf cfPsf] dGbL, ljQLo If]qdf /x]sf] pRr k|lt:kwf{, clws t/ntf, pko'Qm nufgL If]qsf] cefj cflb sf/0fx?n] ubf{ /fi6«sf] cy{tGqdf gsf/fTds c;/ kf/]sf] 5 . ;fy} a}s tyf ljQLo If]qdf shf{ nufgL tyf lgIf]kdf cf}ift Aofhb/ cGt/ %Ü eGbf sd x'g'kg{] lgb{]zg / shf{ c;"nLdf klg r'gf}tLk"0f{ cj:yf /xL cfPsf] 5 .

ljleGg cfly{s ultljlwdWo] z]o/ ahf/n] klg b]zsf] cfly{s ljsf;df dxTjk"0f{ e'ldsf v]Ng] ub{5 / ljutdfeGbf z]o/ ahf/df s]lx ;'wf/ b]lvPsf] ePtf klg ;Gtf]ifhgs ¿kdf lng ;lsg] cj:yf 5}g . ;+ljwfg hf/L e};s]sf] cj:yfdf klg o;sf] sfof{Gjogdf b]lvPsf] l9nfO{n] ;du| cfly{s cj:yfdf g} gsf/fTds c;/ kl//xsf] ljlbt} 5 . rf+8} g} ;+ljwfgsf] sfof{Gjog ePsf] cj:yfdf cy{tGqn] klg ult lng] ck]Iff ug{ ;lsG5 .

;fy} g]kfn /fi6« a}s nufot lgodgsf/L lgsfoaf6 ;do;dodf hf/L ug]]{ lgb{]zgsf sf/0fn] ;d]t ;+:yfsf] ljQLo sf/f]jf/nfO{ k|efljt kf/]sf] x'G5 . pNn]lvt ljleGg sl7gfO{x?sf jfjh"b klg u|fxs dxfg'efjx?n] o; ;+:yf k|lt bzf{pg' ePsf] dfof / ljZjf;nfO{ cfTd;fy ub}{ uf|xsju{ tyf ;j{;fwf/0fx?sf] clwstd ;'ljwfnfO{ dWogh/ ub}{ l56f] 5l/6f] Pj+ u'0f:tl/o ;]jfsf] dfWodaf6 g} ljQLo sf/f]af/ a[4L ug{ ;lsG5 eGg] ;+rfns ;ldltsf] dfGotf /xL cfPsf] hfgsf/L u/fpg rfxG5' .

/fli6«o tyf cGt/fli6«o kl/l:ytLx?af6 ljQLo ;+:yfsf] sf/f]jf/df kfg{ ;Sg] c;/x?nfO{ b[li6ut ul/ ;dofg's'n /0fgLltx? th'{df ul/ ljQLo ;+:yfsf] Joj;flos sf/f]jf/ ;+rfng Pj+ clea[l4 ub}{ nfg' kg]{ s'/fdf ;+rfns ;ldlt ;r]t /x]sf] hfgsf/L u/fpg rfxG5' .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dddf rfn" jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M Rffn" cf=j= @)&@÷&# sf] cflZjg d;fGt;Dddf sDkgLsf] s"n lgIf]k ?=*(*,#)^,&@)=$(, s"n shf{ ;fk6 ?=*)(,#&!,#!^=!# @)&! cflZjg

d;fGtsf] t'ngfdf lgIf]k *=** k|ltztn], shf{ ;fk6 !*=@* k|ltztn] a[l4 eO{ @)&@ cflZjg d;fGtdf v"b gfkmf ?=@,*&#,^%&=!& ePsf] hfgsf/L u/fpg rfxG5' . clxn] ljQLo ahf/ r'gf}tLk"0f{ ePtf klg ahf/sf] ;'Id cWoog u/L ;–;fgf Joj;fo, s[lif / cGo pTkfbgd"ns If]qdf shf{ nufgL ug]{ nufot ljkGg ju{sf] klxrfg u/L ljkGg ju{df nufgL ug]{ / ahf/sf] cfjZostf cg';f/ lgIf]k of]hgf agfO{ lgIf]k ;+sng ub]{ u'0f:t/Lo tyf

4


e/kbf]{ a}{lsË ;]jf pknAw u/fpb}+ d'n'ssf] cy{tGqnfO{ ;an tyf ;'b[9 agfpg ;xof]u ug]{ of]hgf /x]sf] hfgsf/L u/fpg rfxG5' . ljQLo ;+:yfsf] ;du| ;+oGqnfO{ cfw'lgs Pj+ ;dofg's'n kl/jt{g ub}{ n}hfg] ;DaGwdf ;+:yfdf sfo{/t sd{rf/Lx?sf] bIftf, l;k / nugzLntfsf

;fy} Joj;flos Jojxf/sf] 7"nf] e"ldsf x'g] x'gfn] ;f] sf] nflu dfgj ;+zfwgnfO{ cem ;'b[9 u/L sd{rf/Lx?df ;dofg's"n ;Lk, bIftf tyf Joj;flostf clea[l4 ub}{ nUg' kg]{ ;+rfns ;ldltsf] wf/0ff /x]sf] hfgsf/L u/fpg rfxG5' .

;fy}, elaiodf g]kfn /fi6« a}+sn] lglb{i6 u/]sf] cfwf/df pko'tm :yfgdf lskmfolt 9+uaf6 ;+rfng ug{ ;lsg] u/L zfvf ;+hfn la:tf/ ug{] of]hgf /xsf] hfgsf/L u/fpg rfxG5' .

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd @)&$ cfiff9 d;fGt;Dddf r'Qmf k"FhL c:;L s/f]8 k'¥ofpg' kg]{ Joj:yf ePadf]lhd o; ;+:yfn] g]kfn /fi6« a}+snfO{ k]z u/]sf] k"FhL of]hgf adf]lhd o; ljQLo ;+:yf / cGo s'g} pko'Qm a}+s jf ljQLo ;+:yf Pscfk;df ufEg]÷ufleg] (Merger) df hfg pko'Qm ljsNk vf]hL u/L hfg] jf g]kfn /fi6« a}+saf6 hf/L ePsf] a}+s tyf ljQLo ;+:yf k|fKtL -PlSjlh;g_ ;DaGwL ljlgodfjnL cg'¿k pko'Qm ;+:yf vf]hL ug]{ of]hgf ;+rfns ;ldltsf] /x]sf] hfgsf/L u/fpg rfxG5' . ;f] k|of]hg cyf{t dh{/ tyf PlSjlh;gsf] nflu ;+rfns ;ldltnfO{ clVtof/ k|bfg ug]{ u/L ljz]if k|:tfj o; ;fwf/0f ;efdf k]z u/]sf 5' .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGw M ljQLo ;+:yfn] cfk'm;Fu ;DalGwt ;a} cf}Bf]lus÷Joj;foLs k|lti7fgx?;Fu ;+:yfut d"No / dfGotfsf] cfwf/df ;'dw'/ ;DaGw sfod ub}{ cfPsf]

5 / o; ;DaGwnfO{ Joj;flos tyf kf/blz{tfsf cfwf/df ljQLo ;+:yfsf] lxtdf /xg] u/L cem ljsl;t ub}{ hfg] ;+rfns ;ldltsf] wf/0ff /x]sf] hfgsf/L u/fpg rfxG5' .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M ldlt @)&! Kff}if @! ut] ;DkGg kf+rf}+ jflif{s ;fwf/0f ;efjf6 $ jif{sf] nflu ;+:yfks z]o/wgL ;d"x s jf6 # -tLg_ hgf ;+rfnsdf >L lagf]b

s'df/ dfgGw/, >L lagf]b >]i7 / >L uf]kfn /fhe08f/L lgjf{lrt x'g' ePsf] Joxf]/f hfgsf/L u/fpg rfxG5' .-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? M b]zdf bIf >d zlQmsf] cefj, ;':t cfly{s j[l4, ;do ;dodf x'g] aGb, x8tfn, :yflgo afl;Gbfx?sf] cj/f]w, k]6«f]lnod kbfy{sf] cfk'lt{df x'g]

cj/f]w, a9\bf] laB't nf]8;]l8Ësf sf/0fn] ;d:t cy{tGqnfO{ k|efljt kfl//x]sf] cj:yfdf ljlQo If]q dfq ckjfbsf ?kdf /xg ;Sb}g . xfn} uPsf] ljgf;sf/L e"sDkaf6 ljleGg If]qdf k'¥ofPsf] Ifltsf] sf/0fn] shf{ tyf Jofh e'QmfgLdf b]lvPsf] ;d:of, lJflQo If]qdf /x]sf] rsf{] k|lt:kwf{ Pj+ ljleGg sf/0faf6 ;do ;dodf x'g] t/ntfsf] ptf/r9fjsf sf/0f ;DklQ / bfloTj tyf lgIf]k / shf{sf] Aofhb/ Joa:yfkg r'gf}ltk"0f{ ag]sf] 5 . ;fy,} 3/hUuf sf/f]af/df b]lvPsf] dGbL cfbL klg ljQLo sf/f]af/df c;/ kfg{] d'Vo sf/sx? dWo] x'g\ . Aofhb/ cGt/ lgodg ug{ s]lGb|o a}+sn] NofPsf] lgb{]zgn] klg ljlQo ;+:yfsf] cfDbfgL k|efljt ePsf] 5 . oL cK7\of/f kl/l:yltx?sf jfjh't klg ;+:yfsf] sf/f]jf/nfO{ ;dofg';f/ k|lt:kwf{ tyf ;'wf/ ub{} nfg] tk{m ;+rfns ;ldlt rgfvf] /x]sf] Joxf]/f hfgsf/L u/fpg rfxG5' .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of M o; ljQLo ;+:yfsf]] cf=j= @)&!÷&@ sf] n]vfk/LIf0f k|ltj]bgdf a}lsË sf/f]af/sf] l;nl;nfdf ;fdfGo afx]s ljQLo ;+:yfsf] sf/f]af/df c;/ kfg]{

vfnsf s'g} s}lkmotx? pNn]v ePsf 5}gg\ . ;fdfGo s}lkmotx?sf ;DaGwdf n]vfkl/Ifsjf6 k|fKt ;'emfjnfO{ k|efjsf/L sfof{Gjogsf] Joj:yf ldnfO{;s]sf] hfgsf/L u/fpg rfxG5' .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/z ul/Psf] /sd M ldlt @)&@ d+l;/ !* ut] a;]sf] ;+:yfsf] ;+rfns ;ldltsf] !)* cf}+ a}7sn] z]o/wgLx?nfO{ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ r'Qmf k"+hL ?=@@

s/f]8sf] !^=&% k|ltztn] x'g cfpg] ?=#^,*%),))) -tLg s/f]8 c/;f¶L nfv krf; xhf/_sf] af]g; z]o/ tyf r'Qmf k"+hLsf] )=**!^% b/n] x'g] ?=!,(#(,$&#=^* -pGgfO; nfv pgfGrfln; xhf/ rf/ ;o lqxQ/ ¿k}ofF / c/;f¶L k};f_ -af]g; z]o/df nfUg] s/ ;d]t_ gub nfef+z ljt/0f ug{ k|:tfj :jLs[ltsf] nflu o; ;ef ;dIf k]z ul/Psf] 5 .

-em_ n]vfkl/Ifssf] lgo'lQm M n]vfk/LIf0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&@÷&# sf] n]vfkl/If0fsf nflu >L cf/=P;= P;f]l;o6\;nfO{ n]vfk/LIfs lgol'Qmsf] nflu k|:tfj

ul/Psf] 5 . -~f_ cGo cfjZos s'/fx? M o; ;DaGwdf cfjZos s'/fx? o;} k|ltj]bgsf ljleGg a'+bfx?df pNn]v u/L ;lsPsf] / cGo v'nfpg af+sL /x]sf s'/fx? gePsf] hfgsf/L u/fpg rfxG5' . cGTodf, o; ;+:yfsf] k|ultsf] nflu cf–cfˆgf] If]qaf6 cd"No of]ubfg k'¥ofpg' x'g] ;Dk"0f{ z]o/wgL dxfg'efjx? nufot cGo JolQm, ;+3 ;+:yf

k|lt ;~rfns ;ldltsf]] tkm{af6 xflb{s wGojfb 1fkg ug{ rfxG5' . ljQLo ;+:yfnfO{ k|fKt pknAwLx?df ljQLo ;+:yfsf nugzLn, st{Jolgi7 sd{rf/Lx?sf] dxTjk"0f{ e"ldsf /x]sf]n] ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t nufot ;Dk"0f{ sd{rf/L kl/jf/nfO{ wGojfb lbg rfxG5' . ;fy} ljQLo ;+:yfsf] n]vfk/LIf0f ;dod} ;DkGg u/L cd"No ;'emfjx? lbg'x'g] cfGtl/s n]vfkl/Ifs P=s]=>]i7 P08 sDkgL,rf6{8{ PsfpG6]G6 tyf afx\o n]vfk/LIfs >L Pg= cdfTo P08 sDkgL, rf6{8{ PsfpG6]G6nfO{ wGojfb lbg rfxG5' . ;Dk"0f{ z]o/wgL dxfg'efjx?sf] ;xof]u tyf ;b\efjn] ljQLo ;+:yfn] xfn;Dd pT;fxhgs ?kdf sfo{ ub}{ cfO{/x]sf]df cfufdL lbgx?df klg oxfFx?sf] dxTjk"0f{ of]ubfgsf] ck]Iff /fVb} ;d:t u|fxs ju{df u'0f:t/Lo Pj+ l56f] 5l/tf] ;]jf k'¥ofpg] k|0fsf ;fy g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8, g]kfn ljQLo ;+:yf ;+3, cfGtl/s /fh:j sfof{no, laleGg ;+3 ;+:yf nufot ;Dk"0f{ z'elrGtsx?nfO{ o; cj;/df xflb{s cfef/ k|s6 ug{ rfxG5' .

wGojfb Û ;+rfns ;ldltsf] tkm{jf6 lagf]b s'df/ dfgGw/ cWoIf

5


sDkgL P]g @)^# sf] bkmf !)( cGtu{t ;~rfns ;ldltsf] 5'§} k|ltj]bgdf pNn]v x'g'kg]{ ljj/0fx?sf] afFsL a'Fbfut ljj/0fx?M

-s_ ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-v_ /fli6«o tyf cGt/fli6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf

lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dddf rfn' jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M o; ;DaGwdf

;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGw M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of M o; ;DaGwdf ;~rfns ;ldltsf]

k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/z ul/Psf] /sd M o; ;DaGwdf ;~rfns ;ldltsf] k|ltj]bgdf lj:t[t ljj/0f pNn]v ul/Psf] 5 .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] afkt sDkgLn] k|fKt

u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{

u/]sf] eP ;f] sf] ljj/0f M cfly{s jif{ @)&!÷&@ df s'g} z]o/ hkmt ul/Psf] 5}g .

-~f_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg M o;

ljQLo ;+:yfsf] s'g} cGo ;xfos sDkgL /x]sf] 5}g .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g}

dxTjk"0f{ kl/jt{g M o; ljQLo ;+:yfsf] s'g} cGo ;xfos sDkgL g/x]sf] x'Fbf o;n] sDkgLsf] s/f]af/df s'g} dxTjk"0f{ kl/jt{g cfPsf]

5}g .

-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M o; ljQLo ;+:yfsf s'g} klg cfwf/e"t

z]o/wgLx?n] sDkgLnfO{ s'g} lnvt jf df}lvs hfgsf/L pknAw u/fpg' ePsf] 5}g .

-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/ :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx?

;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M o; ljQLo ;+:yfsf ;~rfns tyf kbflwsf/Lx?n] @)&@

cfiff9 d;fGt ;Dd lnPsf] z]o/sf] :jfldTjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 . ;fy} lgh ;~rfns Pj+ kbflwsf/Lx? o; sDkgLsf]

z]o/ sf/f]af/df ;+nUg /xg' ePsf] 5}g .

Gffd kb s'n z]o/ ;+Vof

>L lagf]b s'df/ dfgGw/ cWoIf ##,))) lsQf

>L nIdL nfn gsdL{ k|d'v sfo{sf/L clws[t !,$^,$!) lsQf

>L lagf]b >]i7 ;~rfns %%,))) lsQf

>L cRo't /Tg ah|frfo{ ;~rfns !!) lsQf

>L pd]z gsdL{ ;~rfns %,%)) lsQf

>L lht]Gb nfn gsdL{ k|d'v ;+rfng clws[t÷sDkgL ;lrj !),(%^ lsQf

>L ;+ud /fhe08f/L jl/i7 k|aGws %,^!) lsQf

>L o'u]; >]i7 pk k|aGws %,^!) lsQf

>L ch]; zfSo ;xfos k|aGws #,#)) lsQf

6


-9_ ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fO{Psf] hfgsf/Lsf] Joxf]/fM ;~rfns tyf lghsf] glhssf] s'g} gft]bf/sf] JolQmut :jfy{ x'g] u/L sDkgL;Fu ;DalGwt s'g} lsl;dsf ;Demf}tfx? ePsf] 5}g .

-0f_ sDkgLn] cfˆgf] z]o/ cfkm} vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L

z]o/ vl/b u/]afkt sDkgL]n] e'Qmfg u/]sf] /sd M cfly{s jif{ @)&!÷&@ df o; ljQLo ;+:yfn] cfˆgf] z]o/ cfkm}n] vl/b u/]sf] 5}g .

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f] sf] lj:t[t ljj/0f M g]kfn /fi6« a}+s4f/f hf/L lgb]{zg adf]lhd ljlgod tyf

gLltx? th'{df u/L ;f] sf] clwgdf /xL o; ljQLo ;+:yfn] sfo{ ub}{ cfPsf] 5 . cfly{s aif{ @)^^÷^& b]lv cg'k s'df/ >]i7, Pkm=l;=P=

P]=s]= >]i7 P08 sDkgL rf6{8{ PsfpG6]G6;af6 lgoldt ?kdf cflGtl/s n]vfk/LIf0f u/fO{ n]vfk/LIfssf] k|lta]bg adf]lhd ;'wf/ ug{

Joj:yfkgnfO{ lgb]{zg lbO{ cfGtl/s lgoGq0f k|0ffnLdf k|efjsf/Ltf Nofpg] sfo{ ul/Psf] 5 .

-y_ ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0f M cfly{s jif{ @)&!÷)&@ df ljQLo ;+:yfsf] s"n Joj:yfkg vr{ ?= 23,962,406.09

-b'O{ s/f]8 pgfGrfnL; nfv a;f7\7L xhf/ rf/ ;o 5 / k};f gf} dfq_ ePsf] 5 . h;dWo] sDf{rf/L vr{ afkt ?= 12,072,823.09 -Ps

s/f]8 aL; nfv axt/ xhf/ cf7 ;o t]O{; / k};f gf} dfq_ tyf sfof{no ;~rfng vr{ afkt ?= 11,889,583.00 -Ps s/f]8 c7f/

nfv pgfGgAa] xhf/ kf+r ;o qLof;L dfq_ /x]sf] 5 .

-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf sfd sf/jfxLsf]

ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f] sf] ljj/0f M o; ljQLo ;+:yfdf b]xfo adf]lhdsf] n]vfkl/If0f ;ldlt /x]sf] 5 .

>L lagf]b >]i7 – ;+of]hs

>L uf]kfn /fhe08f/L – ;b:o

>L o'u]; >]i7 – ;b:o ;lrj

pk/f]Qm adf]lhdsf] n]vfk/LIf0f ;ldltn] g]kfn /fi6« a}+s nufot afx\o tyf cfGtl/s n]vfk/LIfsaf6 k|fKt lg/LIf0f k|ltj]bg pk/

lj:t[t cWoog tyf ljZn]if0f u/L ;f]sf] ;'wf/ Pj+ sfof{Gjogsf nflu Joj:yfkgaf6 cfjZos hfgsf/L lnO{ ;~rfns ;ldlt ;dIf

;f] k|ltj]bg k]z ug]{ u/]sf] 5 .

cf=j= @)&!÷&@ df n]vfkl/If0f ;ldltsf] hDdf ^ j6f a}7s a;]sf] / a}7s eQf tyf kfl/>lds afkt hDdf ?= @!,)))÷–vr{

ePsf] 5 .

;ldltsf ;b:ox?sf] gfd k|fKt u/]sf] a}7s eQf tyf kfl/>lds ?=

>L lagf]b >]i7 ?=(,)))÷

>L uf]kfn /fhe08f/L ?=#,)))÷

>L o'u]; >]i7 ?=^,)))÷

>L u[idL >]i7 ?=#,)))÷

hDdf ?=@!,)))÷

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL

jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t

z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} klg lsl;dsf] /sd a'emfpg

afFsL /x]sf] 5}g .

-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/LnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M cfly{s jif{

@)&!÷&@ df o; ljQLo ;+:yfsf ;~rfns ;ldltsf ;b:ox?nfO{ a}7s eQf afkt hDdf ?= @,@@,%)).– -b'O{ nfv afO{; xhf/ kf+r

;o dfq_ pknAw u/fO{Psf] 5 . o; afx]s cGo s'g} ;'ljwf Pj+ kfl/>lds k|bfg ul/Psf] 5}g .

7


sfo{sf/L k|d'v tyf cGo kbflwsf/Lx?nfO{ cf=j= @)&!÷&@ df e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'lawfsf]] ljj/0f b]xfo jdf]lhd /x]sf] 5 .

kb jflif{s kfl/>lds tyf eQf ;'ljwf

sfo{sf/L k|d'v #$,##,$%#÷ ufl8

cGo kbflwsf/Lx? &#,##,^#)÷

-k_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sdM cfly{s jif{ @)&!÷&@ sf] cGTo;Dd z]o/wgLn] a'lemlng'kg]{ nfef+z /sd ?=*,&),)))

/x]sf] 5 .

-km_ sDkgL P]g, @)^# sf] bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0fM cfly{s jif{ @)&!÷&@ df o; ljQLo ;+:yfn]

sDkgL P]g, @)^# sf] bkmf !$! adf]lhdsf] s'g} ;DklQ vl/b jf laqmL u/]sf] 5}g .

-a_ sDkgL P]gsf] bkmf !&% adf]lhd ;Da4 sDkgL lar ePsf] sf/f]af/sf] ljj/0f M o; ljQLo ;+:yfn] cfly{s jif{ @)&!÷&@ df sDkgL P]g,

@)^# sf] bkmf !&% adf]lhd cGo s'g} sDkgL;Fu ;Da4 /lx s'g} lsl;dsf] sf/f]af/ u/]sf] 5}g .

-e_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f M o; P]g tyf k|rlnt sfg"g

adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/fx? gePsf] .

-d_ cGo cfjZos s'/fx? M gePsf] .

8


! >L lagf]b s'df/ dfgGw/ gePsf] gePsf] gePsf] ePsf]* ePsf]* gePsf]

@ >L lagf]b >]i7 gePsf] gePsf] gePsf] ePsf]* gePsf] ePsf]*

# pd]z gsdL{ gePsf] gePsf] gePsf] ePsf]*] ePsf]* ePsf]*

$ cRo't /Tg ah|frfo{ gePsf] gePsf] gePsf] gePsf] gePsf] gePsf]

% >L uf]kfn /fhe08f/L gePsf] gePsf] gePsf] gePsf] gePsf] gePsf]

*shf{ clen]v ;DaGwL clen]v ljlQo ;+:yfdf /x]sf] 5 .

l;=g+=

o; a}saf6 lnPsf] shf{ cGo a}saf6 lnPsf] shf{

ljj/0f cfkm\gf] gfddf

kl/jf/sf] gfddf

cfkm\gf kl/jf/sf] :jldTj jf lgoGq0fdf

/x]sf] kmd{–sDkgLsf]

gfddf

cfkm\gf] gfddf

kl/jf/sf] gfddf

cfkm\gf kl/jf/sf] :jldTj jf

lgoGq0fdf /x]sf] kmd{–sDkgLsf]

gfddf

;+rfnssf] cfkm" jf cfkm\gf] kl/jf/sf ;b:o tyf cfkm\gf] jf cfkm\gf] kl/jf/sf :jfldTj jf lgoGq0fdf /x]sf] kmd{–sDkgLsf] gfddf

ljleGg a}s tyf ljQLo ;+:yfx¿af6 lnPsf shf{ ;DaGwL :j3f]if0ff ljj/0f -g]kfn /fi6« a}ssf] O{=k|f=lg=g+=^-*_ adf]lhd jflif{s k|ltj]bg

k|of]hgfy{_

9


h]laN; kmfO{gfG; lnld^]*sf]z]o/wgL dxfg'efjx? ;dIfn]vfk/LIfssf] k|lta]bg

1= ljlQo ljj/)f dfyLsf] k|ltj]bg xfdLn] h]laN; kmfO{gfG; lnld^]*sf] o;};fy ;+nUg ljlQo ljj/)fx?sf] n]vfk/LIf)f u/]sf %f}+ h;df 2072÷3÷31 -16 h'nfO{

2015_ sf] jf;nft, / ;f]xL ldltdf ;dfKt jif{sf] gfkmf gf]S;fg lx;fa, O{SjL^Ldf ePsf] kl/jt{gsf] ljj/)f, gub k|jfxsf] ljj/)f tyf ckgfOPsf d'Vo n]vf lgtLx? / cGo JofVofTds l^Kk)fLx? ;dfj]z /x]sf %g\ .

2= ljlQo ljj/)f k|lt Aoj:yfkgsf] pQ/bfloTj g]kfn n]vfdfg\ cg';f/ oyfy{ / plrt lrq)f ug]{ ljQLo ljj/)fx? tof/ ug'{ tyf ;f/e't ?kdf ;lx k|:t'tLs/)f ug'{

Aoj:yfkgsf] pQ/bfloTj xf] tyf hfn ;fhL jf q'^Laf^ x'g ;Sg] ;f/o'St ?kdf q'^L/lxt ljlQo ljj/)fdf tof/ ug{ Aoj:yfkgn] cfjZos cfGtl/s lgoGq)fsf] Joj:yf ug'{ kb{% .

3= n]vfkl/Ifssf] pQ/bfloTj xfd|f] pQ/bfloTj ljlQo ljj/)f k|lt cfk\mgf] dGtAo hfx]/ ug]{ xf] . xfdLn] g]kfn n]vfk/LIf)fdfg\ cg';f/ n]vfk/LIf)f ;DkGg

u/]sf %f}+ . pQm n]vfdfg\af^ tf]s]sf] cfrf/;+lxtf kfngf ub}{ ljlQo ljj/)f ;f/e't ?kdf unt cf+s*f /lxt % eGg] s'/fdf ljZj:t x'g n]vfk/LIf)fdfg\ cg';f/ n]vfk/LIf)f of]hgf tof/ u/L ;f] cg';f/ n]vfk/LIf)f ;DkGg ug'{ kb{% .

ljlQo ljj/)fsf cf+s*f tyf v'nfOPsf cGo ljj/)fnfO{ k':^\ofO“{ ug]{ k|df)f k|fKt ug]{ ljlw n]vfk/LIf)fdf ckgfPsf] x'G% . n]vfk/LIf)fdf ckgfpg] ljlwsf] r'gfj xfd|f]] km}znfdf lge{/ ub{% / ;f]xL ljwLsf] cfwf/df xfdLn] hfn;fhL jf uNtLsf] hf]lvdaf^ ;f/e't?kdf ljlQo ljj/)fsf cf“s*fx? uNtL /lxt % eGg] Aoxf]/f lgwf{/)f ub{% . pNn]lvt hf]lvd lgwF{/)f ubf{ sDkgLsf] ljlQo ljj/)fsf] tof/L / v'nfOPsf ljj/)f ;DaGwdf ckgfPsf] cfGtl/s lgoGq)fsf] k|efjsf/Ltfsf] ljrf/ u/L df}h'bf kl/l:ytL cg';f/ n]vfk/LIf)f ljlw tof/ ub{% . t/ o;n] sDkgLsf] cfGtl/s lgoGq)f k|)ffnL slt k|efjsf/L % eGg] wf/)ff k|:t't ug{sf] nflu x'g] %}g . sDkgLn] cjnDag u/]sf] n]vfl;$fGtsf] pko'Qmtf Joj:yfksn] u/]sf] ljlQo cg'dfgsf] cf}lrTotfsf ;fy} ljlQo ljj/)f k|:t'tLsf] ;du| l:ytLsf] d'Nof+sg klg n]vfk/LIf)fdf ;dfj]z x'G% . n]vfk/LIf)fdf pknAw u/]sf hfgsf/Ln] xfd|f] dGtAonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t %f} .

4= dGtJo xfd|f] /fodf ;+nUg ljlQo ljj/)fx?n] ;f]xL;fy ;+nUg n]vf lglt tyf n]vf;+u ;DalGwt l^Kk)fLx?sf ;fy} cWoog ubf{

h]laN; kmfO{gfG; lnld^]*sf] 2072 cfiff( 31 ut]sf] ljlQo l:ytL, ;f] ldltdf ;dfKt ePsf] cfly{s jif{sf] ;+rfng glthf / gub k|jfxsf] plrt tyf oyfy{ lrq)f u/]sf] / oL ljj/)Fx? g]kfn rf^{*{ Psfp)^])^;\ ;+:yfaf^ hf/L g]kfn n]vfdfg, n]vfsf] ;j{dfGo l;$fGt tyf k|rng cg';f/ / sDkgL P]g 2063, a}+s tyf ljlQo ;+:yf P]g 2063 / g]kfn /fi «̂ a}+ssf] lgb]{zg cg';f/ l&s;+u tof/ ul/Psf %g\ .

5= cGo sfg"gL tyf lgodgsf/Lsf] cfjZostf dfyLsf] k|ltj]bg dfly pNn]lvt Joxf]/fsf] cltl/Qm xfdLn] u/]sf] n]vf k/LIf)f tyf xfdLnfO{ k|fKt ;úrgf Pj+ pknAw :kli^s/)fsf] cfwf/df

lgDgfg';f/sf] yk k|ltj]bg k]z ub{%f}+ M s_ xfdLn] n]vfk/LIf)fsf] nfuL cfjZos &fg]sf ;a} ;"rgf tyf :ki^Ls/)fx? oyf l;#| kfof}+,v_ xfd|f] ljrf/df sDkgLn] cfkm\gf] lx;fa lstfa k|rlnt sfg'g cg';f/ &Ls;+u /fv]sf] %,u_ o; k|ltj]bg;+u ;DalGwt jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/)f tyf tT;DaGwL cg';"lrx? g]kfn /fi «̂ a}+sn]

tf]s]sf] (f+rf (Form) tyf sDkgLn] /fv]sf] n]vf;+u b'?:t /x]sf %g\,#_ zfvf sfof{noaf^ k|fKt ljj/)f n]vfk/LIf)fsf] nfuL kof{Kt /x]sf] %g\ .ª_ kmfO{gfG;n] u/]sf] sf/f]af/ To;sf] clVtof/L leq /x]sf] / oL sf/f]af/ ;Gtf]ifhgs ?kdf ePsf] b]lvG%,r_ kmfO{gfG;sf]] ;+rfns ;ldlt jf s'g} ;+rfns jf kmfO{gfG;sf] s'g} sd{rf/Ln] n]vf ;DalGw s'g} P]g sfg"g lj?$

sfd u/]sf] jf kmfO{gfG;nfO{ s'g} xfgL gf]S;fgL jf a]lx;fa u/]sf] b]lvb}g, %_ kmfO{gfG;n] g]kfn /fi «̂ a}+saf^ hf/L lgb]{zg ljk/Lt sfo{ u/]sf] b]lvb}g / h_ kmfO{gfG;sf]] sfo{ nufgLstf{ tyf lgIf]kstf{x?sf] lxt ;+/If)fsf] ljrf/ u/L ePsf]] b]lvG% .

l;P= dlgif cdfTokf6{g/lg= Pg= cdfTo P08 sDkgLrf6{8 PsfpG6]G6;\ldlt M @)&@÷)*÷!*:yfg M sf7df08f}

10


k"¤hL tyf bfloTj cg';"rL o; jif{ ut jif{

?= ?=

1= z]o/ k"¤hL 4=1 256,850,000.00 220,000,000.00

2= hu]*F tyf sf]ifx? 4=2 26,496,991.46 16,464,365.01

3= C)Fkq tyf a)* 4=3 – –

4= ltg{ af+sL shf{ ;fk^ 4=4 – –

5= lgIf]k bfloTj 4=5 864,119,539.07 767,659,248.97

6= e'QmfgL lbg'kg]{ ljnx? 4=6 – –

7= k|:tfljt nfef+z 1,939,473.68 9,473,684.21

8= cfos/ bfloTj – –

9= cGo bfloTj 4=7 12,243,128.17 9,621,972.72

s"n k"¤hL tyf bfloTj 1,161,649,132.38 1,023,219,270.91

;DklQ cg';"rL o; jif{ ut jif{

?= ?=

1= gub df}Hbft 4=8 5,383,705.48 8,304,014.41

2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 4=9 37,339,941.09 33,508,838.89

3= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 122,633,633.36 88,176,684.45

4= dfu tyf cNk ;úrgfdf k|fKt xÚg] /sd 4=11 114,433,893.13 156,440,965.37

5= nufgL 4=12 67,612,794.20 84,841,386.87

6= shf{ ;fk^ tyf ljn v/Lb 4=13 770,407,727.17 620,976,319.98

7= l:y/ ;DklQ 4=14 5,552,845.70 6,282,182.17

8= u}/ a}+lsé ;DklQ 4=15 – –

9= cGo ;DklQ 4=16 38,284,592.26 24,688,878.77

s"n ;DklQ 1,161,649,132.38 1,023,219,270.91

h]laN; kmfO{gfG; lnld6]82072 ;fn cfiff( d;fGtsf]

jf;nft

;+efljt bfloTj cg';"rL 4=17

;+rfnsx?sf] #f]if)Ff cg';"rL 4=29

k"¤hLsf]if tflnsf cg';"rL 4=30

hf]lvd efl/t ;DklQ ljj/)F tflnsf cg';"rL 4=30-s_

k|dúv ;úrsf°x? cg';"rL 4=31

k|dÚv n]vf gLltx? cg';"rL 4=32

n]vf ;DjGwL l^Kk)fLx? cg';"rL 4=33

;+:yfks tyf ;+:yfks z]o/xf]N*/x?n] lnPsf] shf{ cg';"rL 4=34

n]vfk/LIf)f ePsf] / gePsf] aLr km/s cg';"rL 4=35

n]vfk/LIf)f gePsf] ljQLo ljj/)f cg';"rL 4=c

4=1 b]lv 4=17 tyf 4=32 / 4=33 ;Ddsf cg";'rLx? jf;nftsf cleGg c+u x'g\ . xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df

o'u]; >]i&

n]vf k|d'v

lagf]b >]i&

;+rfns

lht]Gb|nfn gsdL{

k|d'v ;+rfng clws[t

uf]kfn /fhe)*f/L

;+rfns

nIdLnfn gsdL{

k|d'v sfo{sf/L clws[t

cRo't /Tg ah|frfo{

;+rfns

lagf]b s'df/ dfgGw/

cWoIf

pd]z gsdL{

;+rfns

l;=P= dlgif cdfTo, ;fem]bf/

lg= Pg= cdfTo P)* s+=

rf^{*{ PsfpG^]G^;\

11


ljj/)f cg';"rL o; jif{ ?= ut jif{ ?=

1= Jofh cfDbfgL 4=18 117,121,531.96 100,565,430.42

2= Jofh vr{ 4=19 68,411,150.99 62,019,905.34

v"b Aofh cfDbfgL 48,710,380.97 38,545,525.08

3= sldzg tyf l*:sfp)^ 4=20 215,103.37 212,822.70

4= cGo ;+rfng cfDbfgL 4=21 7,393,148.78 8,181,358.18

5= ;^xL #â( cfDbfgL 4=22 – –

s"n ;+rfng cfDbfgL 56,318,633.12 46,939,705.96

6= sd{rf/L vr{ 4=23 12,072,823.09 10,883,240.28

7= cGo ;+rfng vr{ 4=24 11,889,583.00 11,769,161.61

8= ;^xL #â( gf]S;fg 4=22 – –

;Defljt gf]S;fgL Joj:yf cl#sf] ;+rfng d'gfkmf 32,356,227.03 24,287,304.07

9= ;Defljt gf]S;fgL Joj:yfx? 4=25 – 12,798,754.88

;+rfng d'gfkmf 32,356,227.03 11,488,549.19

10= u}/ ;+rfng cfDbfgL÷vr{ 4=26 35,055,156.53 58,454,589.30

11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=27 9,145,836.74 260,088.54

lgoldt sf/f]jf/af^ ePsf] d'gfkmf 76,557,220.30 70,203,227.03

12= c;fdfGo sf/]fjf/x?af^ ePsf] cfDbfgL÷vr{ 4=28 – –

;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v"b d'gfkmf 76,557,220.30 70,203,227.03

13= sd{rf/L af]g; Joj:yf 6,959,747.30 6,382,111.55

14= cfos/ Joj:yf

– o; jif{sf] s/ Joj:yf 18,778,984.00 21,025,754.00

– ljut jif{;Ddsf] s/ Joj:yf – 77,245.82

– o; jif{sf] :yug s/ cfDbfgL÷vr{ 1,996,388.86 -2,884,480.72_

v"b gfkmf÷gf]S;fg 48,822,100.14 45,602,596.38

4=18 b]lv 4=28 tyf 4=32 / 4=33 ;Ddsf cg";'rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ . xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df

h]laN; kmfO{gfG; lnld6]8ldlt 2071 >Fj)f 01 b]lv 2072 cfiff( d;fGt;Dd

gfkmf gf]S;fg lx;fa

o'u]; >]i&

n]vf k|d'v

lagf]b >]i&

;+rfns

lht]Gb|nfn gsdL{

k|d'v ;+rfng clws[t

uf]kfn /fhe)*f/L

;+rfns

nIdLnfn gsdL{


cRo't /Tg ah|frfo{

;+rfns

lagf]b s'df/ dfgGw/

cWoIf

pd]z gsdL{

;+rfns



rf^{*{ PsfpG^]G^;\

12


ljj/)f cg';"rL o; jif{ ?= ut jif{ ?=

cfDbfgL

1= ut jif{;Ddsf] ;+lrt d'gfkmf 149,233.51 –

2= o; jif{sf] d'gfkmf 48,822,100.14 45,602,596.38

3= ;^xL #â( sf]if – –

4= :yug s/ hu]*f 1,996,388.86 –

hDdf 50,967,722.51 45,602,596.38

vr{

1= ut jif{;Ddsf] ;+lrt gf]S;fg – 3,974,678.66

2= o; jif{sf] gf]S;fg – –

3= ;fwf/)f hu]*fsf]if 9,764,420.03 9,120,519.28

4= e}k/L cfpg] hu]*f – –

5= ;+:yf ljsf; sf]if – –

6= nfef+z ;dLs/)f sf]if – –

7= sd{rf/L ;DaGwL hu]*fx? – –

8= k|:tfljt nfef+z 1,939,473.68 9,473,684.21

9= k|:tfljt af]g; z]o/ 36,850,000.00 20,000,000.00

10= ljz]if hu]*f sf]if – –

11= ;^xL #â( sf]if – –

12= k"¤hL lkmtf{ hu]*f sf]if – –

13= k"¤hL ;dfof]hg sf]if – –

14= nufgL ;dfof]hg sf]if – –

15= :yug s/ ;DklQ – 2,884,480.72

hDdf 48,553,893.71 45,453,362.87

;+lrt d'gfkmf÷-gf]S;fg_ 2,413,828.79 149,233.51

h]laN; kmfO{gfG; lnld6]8gfkmf gf]S;fg af¤*kmf¤* lx;fa

ldlt 2071 >Fj)f 01 b]lv 2072 cfiff( d;fGt;Dd

xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df

o'u]; >]i&

n]vf k|d'v

lagf]b >]i&

;+rfns

lht]Gb|nfn gsdL{

k|d'v ;+rfng clws[t

uf]kfn /fhe)*f/L

;+rfns

nIdLnfn gsdL{


cRo't /Tg ah|frfo{

;+rfns

lagf]b s'df/ dfgGw/

cWoIf

pd]z gsdL{

;+rfns



rf^{*{ PsfpG^]G^;\

13


ljj/)f o; jif{ ?= ut jif{ ?=

-s_ sf/f]af/ ;+rfngaf^ k|jfx

1= gub k|flKt 122,556,843.90 107,006,583.75

1=1 Aofh cfDbfgL 114,948,591.75 98,612,402.87

1=2 sldzg tyf l*:sfp)^ cfDbfgL 215,103.37 212,822.70

1=3 ljb]zL ljlgdo sf/f]af/af^ cfDbfgL – –

1=4 ckn]lvt shf{sf] c;"nL – –

1=5 cGo cfDbfgL 7,393,148.78 8,181,358.18

2= gub e'QmfgL -115,794,675.28_ -101,726,361.65_

2=1 Aofh vr{ -68,403,856.19_ -61,958,955.89_

2=2 sd{rf/L vr{ -11,799,048.09_ -10,672,315.28_

2=3 sfof{no ;+rfng vr{ -10,154,024.51_ -8,948,391.95_

2=4 cfos/ e'QmfgL -19,055,634.94_ -20,146,698.53_

2=5 cGo vr{ -6,382,111.55_ –

sfo{ut k"¤hL (Working Capital) ultljlw cl#sf] gub k|jfx 6,762,168.62 5,280,222.10

;+rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l$_ -111,907,420.09_ -206,174,029.72_

1= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l$_ 42,007,072.24 -121,859,522.62_

2= cGo cNksfnLg nufgLdf sdL÷-j[l$_ – –

3= shf{ tyf ljN; vl/bdf sdL÷-j[l$_ -140,486,140.99_ -85,877,688.48_

4= cGo ;DklQdf sdL÷-j[l$_ -13,428,351.34_ 1,563,181.38

;+rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l$ 97,553,310.54 183,693,618.75

1= lgIf]k bfloTjdf -sdL_÷j[l$ 96,460,290.10 186,097,610.21

2= ;l^{lkms]^ ckm l*kf]lh^df -sdL_÷j[l$ – –

3= cNksfnLg ;fk^Ldf -sdL_÷j[l$ – –

4= cGo bfloTjdf -sdL_÷j[l$ 1,093,020.44 -2,403,991.46_

-v_ nufgL sf/f]af/df gub k|jfx 51,563,367.32 16,171,516.75

1= bL#{sfnLg nufgLdf sdL÷-j[l$_ 17,228,592.67 -41,791,433.28_

2= l:y/ ;DklQdf sdL÷-j[l$_ -720,381.88_ -491,639.27_

3= nufgLdf sdL÷-j[l$_ – –

4= nfef+z cfDbfgL 361,229.50 553,442.30

5= cGo 34,693,927.03 57,901,147.00

-u_ ljQLo >f]t sf/f]af/af^ gub k|jfx -8,603,684.21_ –

1= bL#{sfnLg C)f -j)*, l*j]Gr/ cflb_ df j[l$÷-sdL_ – –

2= z]o/ k"¤hLdf j[l$÷-sdL_ – –

3= cGo bfloTjdf j[l$÷-sdL_ – –

4= nfef+z e"QmfgL -8,603,684.21_ –

5= g]kfn /fi^« a}+saf^ k|fKt ;x'lnot k'g/shf{df j[l$÷-sdL_ – –

-#_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf^ cfDbfgL÷vr{ – –

-ª_ o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx 35,367,742.18 -1,028,672.12_

-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 129,989,537.75 131,018,209.87

-%_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 165,357,279.93 129,989,537.75

h]laN; kmfO{gfG; lnld6]8gub k|jfx ljj/)f

ldlt 2071 >Fj)f 01 b]lv 2072 cfiff( d;fGt;Dd

xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df

o'u]; >]i&

n]vf k|d'v

lagf]b >]i&

;+rfns

lht]Gb|nfn gsdL{

k|d'v ;+rfng clws[t

uf]kfn /fhe)*f/L

;+rfns

nIdLnfn gsdL{


cRo't /Tg ah|frfo{

;+rfns

lagf]b s'df/ dfgGw/

cWoIf

pd]z gsdL{

;+rfns



rf^{*{ PsfpG^]G^;\

14


ljj/)f

z]o/ k"¤hL

z]o/

lk|ldod

;+lrt gf= gf]=

:yug s/ hu]*f

;fwf/)f hu]*f

sf]if

nfef++z

;lds/)f

sf]if

k|:tfljt

nfef+z

k"¤hLut

hu]*f

sf]if

;^xL

#â(

sf]if

k|:tfljt jf]g; z]o/

cGo hu]*f sf]if

s"n /sd

z'? df}Hbft

200,000,000.00

–

149,233.51

5,264,554.53

11,050,576.97

–

–

–

–

20,000,000.00

– 236,464,365.01

:yug s/

–

–

–

–

–

–

–

–

–

–

–

–

;dfof]hg

–

–

–

–

–

–

–

–

–

–

–

–

o; cf=a= sf] v"b gfkmf

–

–

48,822,100.14

–

––

–

–

–

–

– 48,822,100.14

z]o/ k"¤hLdf j[lå

20,000,000.00

–

–

–

–

–

–

–

– -20,000,000.00_

–

–

gfkmf gf]S;fg af+*km+f*

–

–

–

–

–

–

–

–

–

–

–

–

xsk|b z]o/ hf/Laf^ k|fKt

–

–

–

–

–

–

–

–

–

–

–

–

k|:tfljt jf]g; z]o/

–

–

-36,850,000.00_

–

–

–

–

–

–

36,850,000.00

–

–

nfef++z ;lds/)f sf]ifdf ;f/]sf]

–

–

–

–

–

–

–

–

–

–

–

–

;fwf/)f hu]]*f sf]ifdf ;f/]sf]

–

–

-9,764,420.03_

–

9,764,420.03

–

–

–

–

–

–

–

e}k/L cfpg] hu]*f sf]ifdf ;f/]sf]

–

–

–

–

–

–

–

–

–

–

–

–

k|:tfljt nfef+z

–

–

-1,939,473.68_

–

–

–

–

–

–

–

– -1,939,473.68_

z]o/ lk|ldodaf^ k|fKt

–

–

–

–

–

–

–

–

–

–

–

–

:yug s/ hu]*f

–

–

1,996,388.86

-5,264,554.53_

–

–

–

–

–

–

3,268,165.67

–

clGtd df}Hbft

220,000,000.00

–

2,413,828.79

– 20,814,997.00

–

–

–

–

36,850,000.00

3,268,165.67

283,346,991.46

h]laN;

kmfO

{gfG;

lnld

6]8

OSjL^Ldf ePsf] kl/jt{g ;DaGwL ljj/)f

cf= j= 2071÷2072

15


h]laN; kmfO{gfG; lnld6]8z]o/ k"¤hL tyf :jfldTj

-2072 cfiff( d;fGt_


1= z]o/ k"¤hL

1=1 clws[t k"¤hL 400,000,000.00 400,000,000.00

s_ 4,000,000 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 400,000,000.00 400,000,000.00

v_ ======== gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ====== n]

u_ ======== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ====== n]

1=2 hf/L k"¤hL 220,000,000.00 200,000,000.00

s_ 2,200,000 ;fwf/)f z]o/ k|lt z]o/ ?= 100 n] 220,000,000.00 200,000,000.00

v_ ======= gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?=========== n]

u_ ======= l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ? =========== n]

1=3 r'Qmf k"¤hL 220,000,000.00 200,000,000.00

s_ 2200,000 ;fwf/)f z]o/ k|lt z]o/ ? 100 n] 220,000,000.00 200,000,000.00

v_ ======= gg\l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ? ======== n]

u_ ======= l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ? =========== n]

1=4 k|:tfljt af]g; z]o/ 36,850,000.00 20,000,000.00

1=5 sN; Og P*efG; – –

hDdf /sd -1=3+1=4+1=5_ 256,850,000.00 220,000,000.00

cg';"rL 4=1

z]o/ :jfldTj ljj/)fo; jif{ ?= ut jif{ ?=

∞ z]o/ k"¤hL z]o/ k"¤hL ∞

1= :jb]zL :jfldTj 100.00 220,000,000.00 200,000,000.00 100.00

1=1 g]kfn ;/sf/ – – – –

1=2 æsÆ ju{sf] Ohfhtkqk|fKt ;+:yfx? – – – –

1=3 cGo Ohfhtkqk|fKt ;+:yfx? – – – –

1=4 cGo ;+:yfx? 1.27 2,783,000.00 3,840,000.00 1.92

1=5 ;j{;fwf/)f 98.73 217,217,000.00 196,160,000.00 98.08

1=6 cGo – – – –

2= a}b]lzs :jfldTj – – – –

hDdf 100.00 220,000,000.00 200,000,000.00 100.00

16


h]laN; kmfO{gfG; lnld6]80=50 k|ltzt jf ;f]eGbf a(L :jfldTj ePsf] z]o/wgLx?sf] ljj/)f

-2072 cfiff( d;fGt_

qm=;+= gfd ∞ r'Qmf /sd ?=

1 nIdL nfn gsdL{ 6.66 14,641,000.00 2 lty{ dfof knfGrf]s] 6.40 14,080,000.00 3 nIdL sÚdf/L gsdL{ 2.50 5,500,000.00 4 k|eft l#ld/] 2.50 5,500,000.00 5 lagf]b >]i& 2.50 5,500,000.00 6 *f= x/L nfn gsdL{ 2.25 4,950,000.00 7 /]gf gsdL{ 2.23 4,895,000.00 8 /gÚ >]i& 1.75 3,850,000.00 9 lagf]b sÚdf/ dfgGw/ 1.50 3,300,000.00 10 cf]d /fh Vjfp+hÚ 1.42 3,128,400.00 11 gful/s nufgL sf]if 1.23 2,695,000.00 12 ?hf yfkf sfsL{ 1.05 2,300,000.00 13 uf]kfn /fhe)*f/L 1.00 2,200,000.00 14 *f= OGb| k|;fb k|hfklt 1.00 2,200,000.00 15 laho zfSo 1.00 2,200,000.00 16 dGhÚ b]lj /f}lgof/ 1.00 2,200,000.00 17 /fh]Gb| zfSo 1.00 2,200,000.00 18 ljZj las|d yfkf 0.98 2,145,000.00 19 gGb nIdL gsdL{ -zfSo_ 0.95 2,090,000.00 20 s'df/ s]z/ lji^ 0.90 1,988,100.00 21 cldt dfgGw/ 0.63 1,375,000.00 22 lasf; zfSo 0.52 1,133,000.00 23 c+ugf knfGrf]s] 0.50 1,100,000.00 24 lty{ sfhL dxh{g 0.50 1,100,000.00 25 /]gÚ nfn dxh{g 0.50 1,100,000.00 26 dx]; k|;fb l/hfn 0.50 1,100,000.00 27 af]wL bf; tfd|fsf/ 0.50 1,100,000.00 28 hog k|wFg 0.50 1,100,000.00 29 ;Úl;n /Tg :yflkt 0.50 1,100,000.00 30 cf]d sf/]; gsdL{ 0.50 1,100,000.00 31 k|sf; dfg s+;fsf/ 0.50 1,100,000.00 32 u+uf /fd vgfn 0.50 1,100,000.00 33 xl/x/ (Ú+ufgf 0.50 1,100,000.00 34 Zofd ;Úa]bL 0.50 1,100,000.00 35 /fhÚ nfn >]i& 0.50 1,100,000.00 36 la/]Gb| k|wfgfé 0.50 1,100,000.00 37 agjf/L k;fb zfx 0.50 1,100,000.00 38 dL/ l#ld/] 0.50 1,100,000.00 39 ;?hf d'dL 0.50 1,100,000.00 40 dLgf s'df/L gsdL{ 0.50 1,100,000.00 41 ;'dL/ tfdfé 0.50 1,100,000.00 42 lagf s'df/L gsdL{ 0.50 1,100,000.00 43 nLhf d'dL 0.50 1,100,000.00 44 l/t]z zfSo 0.50 1,100,000.00 45 l/s]z zfSo 0.50 1,100,000.00 46 gGb nfn gsdL{ 0.50 1,100,000.00 47 dx]z >]i& 0.50 1,100,000.00 48 :d[lt km]lnl;tf; dNnklt 0.50 1,100,000.00 49 cf:yf l#ld/] Gof}kfg] 0.50 1,100,000.00 50 ;fu/ s]=;L= 0.50 1,100,000.00 51 lbks /fhe)*f/L 0.50 1,100,000.00 52 las]z zfSo 0.50 1,100,000.00 53 dgf]h >]i& 0.50 1,100,000.00 54 ;'lgtf k|wfg >]i& 0.50 1,100,000.00 55 pld{nf yfkf 0.50 1,100,000.00 56 ls/)f >]i& 0.50 1,100,000.00

17



1= ;fwf/)f÷a}wflgs hu]*f sf]if 20,814,997.00 11,050,576.97

2= k"¤hLut hu]*f sf]if – –

2=1 z]o/ lk|ldod – –

3= k"¤hL lkmtf{ hu]*f sf]if -Capital Redemption Reserve_ – –

4= k"¤hL ;dfof]hg sf]if – –

5= cGo hu]*f tyf sf]if – –

5=1 e}k/L cfpg] hu]*f – –

5=2 ;+:yf ljsf; sf]if – –

5=3 nfef+z ;lds/)f sf]if – –

5=4 ljz]if hu]*f sf]if – –

5=5 ;DklQ k'g{d"Nof+sg sf]if – –

5=6 :yug s/ hu]*f – 5,264,554.53

5=7 cGo :jtGq sf]if – –

5=8 cGo hu]*f sf]if 3,268,165.67 –

6= ;+lrt gfkmf÷gf]S;fg 2,413,828.79 149,233.51

7= ;^xL #â( sf]if – –

hDdf 26,496,991.46 16,464,365.01

h]laN; kmfO{gfG; lnld6]8hu]*f tyf sf]ifx¿

-2072 cfiff( d;fGt_

cg';"rL 4=2

18



1= ========= k|ltzt a)*÷C)fkq k|lt a)*÷C)fkq =====?============n]

ldlt ============== df hf/L ePsf] / ldlt==============df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ?= ====================. _

– –

2= ========= k|ltzt a)*÷C)fkq k|lt a)*÷C)fkq =====?=============n]

ldlt ============== df hf/L ePsf] / ldlt==============df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ?= ====================. _

– –

3= ============ ====== – –

hDdf 1®2®3 – –


s= :jb]zL – –

1= g]kfn ;/sf/ – –

2= g]kfn /fi^« a}+s – –

3= l/kf] bfloTj – –

4= cGt/ a}+s tyf ljQLo ;+:yf – –

5= cGo ;+ul&t ;+:yfx? – –

6= cGo – –

hDdf – –

v= ljb]zL – –

1= a}+sx? – –

2= cGo – –

hDdf – –

hDdf -s®v_ – –

h]laN; kmfO{gfG; lnld6]8C)fkq tyf a)*

-2072 cfiff( d;fGt_

cg';"rL 4=3

ltg{ af¤sL shf{ -;fk^L_-2072 cfiff( d;fGt_

cg';"rL 4=4

19



1= Jofh ltg'{ gkg]{ vftfx? – –

s= rNtL lx;fa – –

1= :jb]zL d'b|fdf – –

1=1 g]kfn ;/sf/ – –

1=2 æsÆ ju{sf Ohfhtkqk|fKt ljQLo ;+:yfx? – –

1=3 cGo Ohfhtkqk|fKt ljQLo ;+:yfx? – –

1=4 cGo ;+ul&t ;+:yfx? – –

1=5 JolQmut – –

1=6 cGo – –

2= ljb]zL d'b|fdf – –

2=1 g]kfn ;/sf/ – –

2=2 æsÆ ju{sf Ohfhtkqk|fKt ljQLo ;+:yfx? – –


2=4 cGo ;+ul&t ;+:yfx? – –

2=5 JolQmut – –

2=6 cGo – –

v= dflh{g – –

1= sd{rf/L hdfgt – –

2= hdfgt dflh{g – –

3= k|lttkq dflh{g – –

u= cGo – –


1=1 ljQLo ;+:yfx? – –

1=2 cGo ;+ul&t ;+:yfx? – –

1=3 JolQmut – –


2=1 ljQLo ;+:yfx? – –

2=2 cGo ;+ul&t ;+:yfx? – –

2=3 JolQmut – –

Aofh ltg'{ gkg]{ vftfx?sf] hDdf – –

h]laN; kmfO{gfG; lnld6]8lgIf]k lx;fj

-2072 cfiff( d;fGt_

cg';"rL 4=5

20


2= Jofh ltg'{ kg]{ vftfx?

s= art lx;fa 490,884,530.07 417,463,289.97

1= :jb]zL d'b|fdf 490,884,530.07 417,463,289.97

1=1 ;+# ;+:yfx? – –

1=2 JolQmut 331,495,659.21 198,056,358.09

1=3 cGo (Corporate Account) 159,388,870.86 219,406,931.88


2=1 ;+# ;+:yfx? – –

2=2 JolQmut – –

2=3 cGo – –

v= d'@tL lx;fa 373,235,009.00 350,195,959.00

1= :jb]zL d'b|fdf 373,235,009.00 350,195,959.00

1=1 ;+# ;+:yfx? 71,149,700.00 60,995,700.00

1=2 JolQmut 302,085,309.00 289,200,259.00

1=3 cGo – –


2=1 ;+# ;+:yfx? – –

2=2 JolQmut – –

2=3 cGo – –

u= dfu]sf] avt ltg'{ kg]{ lx;fa – –


1=1 æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? – –


1=3 cGo ;+ul&t ;+:yfx? – –

1=4 JolQmut – –

1=5 cGo – –


2=1 æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? – –


2=3 cGo ;+ul&t ;+:yfx? – –

2=4 JolQmut – –

2=5 cGo – –

#= ;l^{lkms]^ ckm l*kf]lh^ – –

1= ;+ul&t ;+:yf – –

2= JolQmut – –

3= cGo – –

Aofh ltg'{ kg]{ vftfx?sf] hDdf 864,119,539.07 767,659,248.97

-1®2_ hDdf lgIf]k 864,119,539.07 767,659,248.97


21


h]laN; kmfO{gfG; lnld6]8e'QmfgL lbg'kg]{ ljnx?

-2072 cfiff( d;fGt_


1= :jb]zL d'b|f – –

2= ljb]zL d'b|f – –

hDdf – –

cg';"rL 4=7

cGo bfloTj

-2072 cfiff( d;fGt_


1= k]G;g÷pkbfg sf]if 1,033,100.00 759,325.00

2= sd{rf/L ;+ro sf]if – –

3= sd{rf/L sNof)f sf]if – –

4= sd{rf/L af]g; Joj:yf 6,959,747.30 6,382,111.55

5= lgIf]kdf e'QmfgL lbg af¤sL Aofh 366,278.75 358,983.95

6= ;fk^Ldf e'QmfgL lbg af¤sL Aofh – –

7= kfsL g;s]sf] l*:sfp)^ / sldzg – –

8= ;)*«L qm]l*^;{ 762,556.76 275,349.78

9= zfvf ldnfg lx;fa – –

10= :yug s/ bfloTj – –

11= e'QmfgL lbg af¤sL nfef+z 870,000.00 –

12= cGo

s= s/ s§L 2,101,057.72 1,593,679.26

v= cfGtl/s n]vfk/LIf)f z'Ns 24,530.00 80,280.00

u= afx\o n]vfk/LIf)f z'Ns 94,775.00 94,775.00

#= z]o/ ;+sng s]Gb| jfkt e'QmfgL lbg af¤sL /sd 31,082.64 77,468.18

hDdf 12,243,128.17 9,621,972.72

cg';"rL 4=8

gub df}Hbft

-2072 cfiff( d;fGt_


1= :jb]zL d'b|f -l;Ssf ;d]t_ 5,383,705.48 8,304,014.41

2= ljb]zL d'b|f – –

hDdf 5,383,705.48 8,304,014.41

cg';"rL 4=6

22


cg';"rL 4=9

h]laN; kmfO{gfG; lnld6]8g]kfn /fi^« a}+sdf /x]sf] df}Hbft

-2072 cfiff( d;fGt_

ljj/)f :jb]zL d'b|f

ljb]zL d'b|f ?=df

s"n ?= ut jif{ ?=ef=?=

kl/jTo{ lj=d'=

hDdf

1= g]kfn /fi^« a}+s 37,339,941.09 – – – 37,339,941.09 33,508,838.89

s= rNtL vftf 37,339,941.09 – – – 37,339,941.09 33,508,838.89

v= cGo vftf – – – – – –

cg';"rL 4=10

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

-2072 cfiff( d;fGt_

ljj/)f :jb]zL d'b|f

ljb]zL d'b|f ?=df

s"n ?= ut jif{ ?=ef=?=

kl/jTo{ lj=d'=

hDdf

1= :jb]zL Ohfhtkqk|fKt ;+:yfx? 122,633,633.36 – – – 122,633,633.36 88,176,684.45

s= rNtL vftf 1,871,270.47 – – – 1,871,270.47 1,332,663.47

v= cGo vftf

120,762,362.89 – – – 120,762,362.89 86,844,020.98

2= ljb]zL a}+sx? – – – – – –

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

hDdf 122,633,633.36 – – – 122,633,633.36 88,176,684.45

gf]^M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s"n df}Hbft ? 122,633,633.36

cg';"rL 4=11

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?

-2072 cfiff( d;fGt_


1= :jb]zL d'b|fdf 114,433,893.13 156,440,965.37


hDdf 114,433,893.13 156,440,965.37

23


cg';"rL 4=12

h]laN; kmfO{gfG; lnld6]8nufgL

-2072 cfiff( d;fGt_

ljj/)fk|of]hg

o; jif{ ?= ut jif{ ?=Jofkfl/s cGo

1= g]kfn ;/sf/sf] ^«]h/L lan – – – –

2= g]kfn ;/sf/sf] artkq – – – –

3= g]kfn ;/sf/sf] cGo C)fkq – 50,000,000.00 50,000,000.00 50,000,000.00

4= g]=/f= a}+s C)fkq – – – –

5= lab]zL C)fkq – – – –

6= :jb]zL Ohfhtkqk|fKt ;+:yf – – – –

7= lab]zL a}+s – – – –

8= ;+ul&t ;+:yfx?sf] z]o/ 17,612,794.20 – 17,612,794.20 34,841,386.87

9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf a)* – – – –

10= cGo nufgL – – – –

s"n nufgL 17,612,794.20 50,000,000.00 67,612,794.20 84,841,386.87

Joj:yf – – – –

v"b nufgL 17,612,794.20 50,000,000.00 67,612,794.20 84,841,386.87

24


h]laN; kmfO{gfG; lnld6]8 z]o/, l*j]Gr/ tyf a)*df nufgL

-2072 cfiff( d;fGt_

ljj/)f k/n df]n ?= ahf/ d"No cg';f/ ?= Joj:yf /sd ?= ut jif{ ?=

1= z]o/ nufgL 17,612,794.20 42,552,965.00 – 34,841,386.87

1=1 lrlnd] xfO*«f] kfj/ sDkgL -k|f=ln÷ln=_ 2,211,549.76 2,719,728.00 – 18,295,921.19

1616 ;fwf/)f z]o/ k|lt z]o/ 100 n] r'Qmf

1=2 g]kfn nfO{km O{G:of]/]G; sDkgL -k|f=ln÷ln=_ – 7,212,114.00 – 1,742,676.47

2499 ;fwf/)f z]o/- 2499 lsQf af]g; z]o/ ;d]t _, k|lt z]o/ 100 n] r'Qmf

1=3 g]zgn nfO{km O{G:of]/]G; sDkgL -k|f=ln÷ln=_ – – – 60,167.17


1=4 g]kfn b"/;+rf/ sDkgL -k|f=ln÷ln=_ 765,976.39 922,200.00 – 765,976.39

1450 ;fwf/)f z]o/, k|lt z]o/ 100 n] r'Qmf

1=5 ;u/dfyf O{G:of/]]G; sDkgL -k|f=ln÷ln=_ 234,532.89 1,155,000.00 – 234,532.89


1=6 nfO{km O{G:of/]]G; skf]{/]zg -k|f=ln÷ln=_ 5,355,467.78 16,309,773.00 – 6,001,845.38


1=7 /fli^«o ladf ;+:yfg -k|f=ln÷ln=_ 454,420.15 1,433,100.00 – 454,420.15


1=8 a'^'jn kfj/ sDkgL -k|f=ln÷ln=_ 5,089,531.88 5,849,160.00 – 5,089,531.88


1=9 l;$fy{ O{G:of/]]G; sDkgL -k|f=ln÷ln=_ 534,947.04 1,939,212.00 – 534,947.04


1=10 g]kfn lSnol/é xfp; -k|f=ln÷ln=_ 351,500.00 351,500.00 – 351,500.00


1=11 ;fgf ls;fg lasf; a}+s -k|f=ln÷ln=_ – 761,656.00 – –

536 ;fwf/)f z]o/- 536 lsQf af]g; z]o/ ;d]t _ k|lt z]o/ 100 n] r'Qmf

1=12 ?n/ dfOs|f] kmfOgfG; *]enkd])^ ;]G^/ -k|f=ln÷ln=_ 154,800.00 563,300.00 – 154,800.00


1=13 sflnsf dfOs|f] kmfOgfG; *]enkd])^ a}+s -k|f=ln÷ln=_ 8,200.00 98,236.00 – 8,200.00


1=14 Pl;og nfO{km O{G:of]/]G; sDkgL -k|f=ln÷ln=_ 1,137,468.31 1,891,271.00 – 1,137,468.31


1=15 l/l* xfO{*«f] kfj/ *]enkd])^ -k|f=ln÷ln=_ 9,400.00 41,715.00 – 9,400.00

103 ;fwf/)f z]o/ -9 lsQf af]g; z]o/ ;d]t_, k|lt z]o/ 100 n] r'Qmf

1=16 PgPdaL z'ne O{Ge]i^d])^ -k|f=ln÷ln=_ 1,305,000.00 1,305,000.00 – –


2= l*j]Gr/ tyf a)* nufgL – – – –

2=1 ================== sDkgL -k|f=ln÷ln=_

===========k|ltzt l*j]Gr/ tyf a)* k|lt l*j]Gr/÷a)* ?= ==========n] ============== – – – –

s"n nufgL 17,612,794.20 42,552,965.00 – 34,841,386.87

3= hf]lvd ;DaGwL Joj:yf

3=1 ut jif{;Ddsf] Joj:yf – – – 259,544.27

3=2 o; jif{sf] yk÷#^ – – – -259,544.27_

s"n Joj:yf – – – –

v"b nufgL 17,612,794.20 – – 34,841,386.87

cg';"rL 4=12 -s_

25


h]laN; kmfO{gfG; lnld6]8Jofkfl/s nufgL (Held for Trading)

-2072 cfiff( d;fGt_

ljj/)f k/n d"No kl%Nnf]

ahf/ d"No -s_

xfnsf] ahf/ d"No

-v_

o; jif{ gfkmf÷-gf]S;fg_

-v–s_

ut jif{ gfkmf÷-gf]S;fg_

/sds}lkmot

1= g]kfn ;/sf/sf] ^«]h/L ljn – – – – –

2= g]kfn ;/sf/sf] artkq – – – – –

3= g]kfn ;/sf/sf] cGo C)fkq – – – – –

4= g]kfn /fi^« a}+s C)fkq – – – – –

5= lab]zL C)fkq – – – – –

6= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ – – – – –

7= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l*j]Gr/ tyf a)* – – – – –

8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* 17,612,794.20 – – – –

9= ljb]zL a}+s nufgL -Placement_ – – – – –

10= Interbank Lending – – – – –

11= cGo nufgL – – – – –

s"n nufgL 17,612,794.20 – – – –

e'QmfgL ldlt;Dd wf/)f ug]{ nufgL -Held to Maturity_-2072 cfiff( d;fGt_

ljj/)fk/n d"No -s_

xfn ;Ddsf] Iflt /sd -v_

o; jif{sf] Iflt /sd -u_

o; jif{ gfkmf÷-gf]S;fg_ /sd -s–v–u_


/sd s}lkmot

1= g]kfn ;/sf/sf] ^«]h/L ljn – – – – –

2= g]kfn ;/sf/sf] artkq – – – – –

3= g]kfn ;/sf/sf] cGo C)fkq 50,000,000.00 – – – –

4= g]kfn /fi^« a}+s C)fkq – – – – –

5= lab]zL C)fkq – – – – –



8= :jb]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* – – – – –


10= cGo nufgL – – – – –

s"n nufgL 50,000,000.00 – – – –

ljqmLsf] nflu pknAw nufgL -Available for Sale_-2072 cfiff( d;fGt_

ljj/)f k/n d"No kl%Nnf]

ahf/ d"No -s_

xfnsf] ahf/ d"No

-v_

o; jif{ sf]if ;dfof]hg /sd -v–s_


/sds}lkmot

1= g]kfn ;/sf/sf] ^«]h/L ljn – – – – –

2= g]kfn ;/sf/sf] artkq – – – – –

3= g]kfn ;/sf/sf] cGo C)fkq – – – – –

4= g]kfn /fi^« a}+s C)fkq – – – – –

5= lab]zL C)fkq – – – – –



8= :j]b]zL ;+ul&t ;+:yfsf] z]o/, l*j]Gr/ tyf a)* – – – – –


10= cGo nufgL – – – – –

s"n nufgL – – – – –

cg';"rL 4=12=1

cg';"rL 4=12=2

cg';"rL 4=12=3

26


ljj/)f

shf{

v/Lb

tyf l*:sfpG^ ul/Psf lan

o; jif{ ?=

ut jif{ ?=

:jb]zL

ljb]zL

hDdf

:jb]zL

ljb]zL

hDdf

k|fylds If]q

cGo

ljldt

cljldt

1= ;lqmo shf{ ;fk^

(Per

form

ing)

–

–

768,602,866.89

–

768,602,866.89

–

–

–

768,602,866.89

598,623,265.11

1=1 c;n

–

–

757,938,591.56

–

757,938,591.56

–

–

–

757,938,591.56

598,623,265.11

1=2 ;'Id lgu/fgL

–

–

10,664,275.33

–

10,664,275.33

–

–

–

10,664,275.33

–

2= lgl:qmo shf{ ;fk^

(Non

Per

form

ing)

–

–

43,922,928.50

–

43,922,928.50

–

–

–

43,922,928.50

73,416,389.29

2=1 k'g/;+/rgf÷k'g/tflnsLs/)f

–

–

–

–

–

–

–

–

2=2 sd;n

–

–

9,224,369.47

–

9,224,369.47

–

–

–

9,224,369.47

26,402,000.00

2=3 z+sf:kb

–

–

6,999,583.50

–

6,999,583.50

–

–

–

6,999,583.50

19,888,011.67

2=4 v/fa

–

–

27,698,975.53

–

27,698,975.53

–

–

–

27,698,975.53

27,126,377.62

-s_ s"n shf{

–

–

812,525,795.39

–

812,525,795.39

–

–

–

812,525,795.39

672,039,654.40

3= shf{ gf]S;fgL Joj:yf

3=1 c;n

–

–

7,579,385.92

–

7,579,385.92

–

–

–

7,579,385.92

5,986,232.65

3=2 ;'Id lgu/fgL

–

–

213,285.51

–

213,285.51

–

–

–

213,285.51

–

3=2 k'g/tflnsLs/)f÷k'g/;+/rgf

–

–

–

–

–

–

–

–

–

–

3=3 sd;n

–

–

2,306,092.37

–

2,306,092.37

–

–

–

2,306,092.37

6,600,500.00

3=4 z+sf:kb

–

3,499,791.75

–

3,499,791.75

–

–

–

3,499,791.75

9,944,005.84

3=5 v/fa

–

–

27,698,975.53

–

27,698,975.53

–

–

–

27,698,975.53

27,126,377.62

3=6 yk Joj:yf

820,537.15

–

820,537.15

–

––

820,537.15

1,406,218.31

-v_ s"n Joj:yf

–

–

42,118,068.22

–

42,118,068.22

–

–

–

42,118,068.22

51,063,334.42

4= ut jif{;Ddsf] Joj:yf

4=1 c;n

–

–

5,986,232.65

–

5,986,232.65

–

–

–

5,986,232.65

7,034,755.17

4=2 k'g/tflnsLs/)f÷k'g/;+/rgf

–

–

–

–

–

–

–

–

–

–

4=3 sd;n

–

–

6,600,500.00

–

6,600,500.00

–

–

–

6,600,500.00

1,280,875.00

4=4 z+sf:kb

–

–

9,944,005.84

–

9,944,005.84

–

–

–

9,944,005.84

3,492,000.00

4=5 v/fa

–

–

27,126,377.62

–

27,126,377.62

–

–

–

27,126,377.62

26,456,949.37

4=6 yk Joj:yf

––

1,406,218.31

–

1,406,218.31

–

–

–

1,406,218.31

–

-u_ ut jif{;Ddsf] s"n Joj:yf

–

–

51,063,334.42

–

51,063,334.42

–

–

–

51,063,334.42

38,264,579.54

-#_ ut jif{sf] Joj:yfaf^ lkmtf{

–

–

–

–

–

–

–

–

–

–

-Ñ_ o; jif{sf] yk Joj:yf

–

–

-8,945,266.20_

–

-8,945,266.20_

–

–

–

-8,945,266.20_

12,798,754.88

o; jif{sf] v"b yk÷#^

–

–

-8,945,266.20_

–

-8,945,266.20_

–

–

–

-8,945,266.20_

12,798,754.88

v"b shf{ -s– v_

––

770,407,727.17

– 770,407,727.17

––

– 770,407,727.17 620,976,319.98

cg";'rL 4=13

h]laN;

kmfO

{gfG;

lnld

6]8

shf{ ;fk^ tyf lan vl/b juL{s/)f / ;f]sf] nflu Joj:yf

-2072 cfiff( d;fGt_

27


cg';"rL 4=13 -s_

h]laN; kmfO{gfG; lnld6]8shf{, ;fk^ / ljN; v/Lbsf] ;'/If)f

-2072 cfiff( d;fGt_


-s_ ;'/lIft

1= rn÷crn ;DklQsf] ;'/If)fdf 771,105,452.22 646,118,386.89

2= :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 18,000,000.00 8,000,000.00

3= ;/sf/L hdfgtdf – –

4= cGt/f{li^«o >])fLs[t a}+ssf] hdfgtdf – –

5= lgof{t sfuhft (Export Document) sf] ;'/If)fdf – –

6= d'@tL /l;bsf] ;'/If)fdf – –

-s_ ;+:yfsf] cfkm\g} d'@tL /l;bsf] ;'/If)f 17,323,550.92 10,205,663.77

-v_ cGo Ohfhtkqk|fKt ;+:yfsf] d'@tL /l;bsf] ;'/If)f – –

7= ;/sf/L C)fkqsf] ;'/If)fdf – –

8= sfp)^/ hdfgtdf – –

9= JolQmut hdfgtdf 6,096,792.71 7,715,603.74

10= cGo ;'/If)fdf – –

-v_ c;'/lIft – –

hDdf 812,525,795.85 672,039,654.40

28

5}7f}+ jflif{s k|ltj]bg @)&!÷)&@h]laN;

kmfO

{gfG;

lnld

6]8

l:y/ ;DklQ

-2072 cfiff( d;fGt_

ljj/)f

;DklQ

o; jif{ ?=

ut jif{ ?=

ejg

kl/jxg ;fwg

d]lzg/L

sfof{no ;fdfg

cGo

1= k/ndf]n

-s_ ut jif{sf] df}Hbft

– 5,134,905.00 628,545.20 7,814,938.48

2,522,224.13

16,100,612.81 15,720,451.54

-v_ o; jif{ yk

–

–

–

700,381.88

20,000.00

720,381.88

491,639.27

-u_ o; jif{ k'g{d"Nof+sg÷k'gn]{vg

–

–

–

–

–

–

–

-#_ o; jif{sf] laqmL

–

–

–

–

–

–

–

-ª_ o; jif{sf] ckn]vg

–

–

–

–

–

111,478.00

s"n -s

+ v+ u

+ #+ ª_ k/ndf]n

– 5,134,905.00 628,545.20

8,515,320.36 2,542,224.13

16,820,994.69 16,100,612.81

2= x«f; s§L

-s_ ut jif{;Ddsf]

– 3,063,985.16

337,061.37

5,311,070.93

1,106,313.18

9,818,430.64 8,091,402.29

-v_ o; jif{sf]

–

414,183.97

43,722.57

742,448.56

249,363.25

1,449,718.35

1,798,723.96

-u_ x«f;s§L k'g{d"Nof+sg÷k'gn]{vg

–

–

–

–

–

–

–

-#_ x«f;s§L /sd ;dfof]hg÷lkmtf{

–

–

–

–

–

–

71,695.61

s"n x«f;s§L

– 3,478,169.13 380,783.94

6,053,519.49

1,355,676.43

11,268,148.99 9,818,430.64

3= a's Eofn'

(WD

V*) -1–2_

– 1,656,735.87 247,761.26

2,461,800.87 1,186,547.70

5,552,845.70

6,282,182.17

4= hUuf

–

–

–

–

–

–

–

5= k"¤hLut lgdf{)f -k"¤hLs/)f ul/g'kg]{_

–

–

–

–

–

–

–

6= nLh xf]N* ;DklQ

–

–

–

–

–

–

–

hDdf -3

+ 4+ 5

+ 6_

– 1,656,735.87 247,761.26

2,461,800.87 1,186,547.70

5,552,845.70

6,282,182.17

u}/ a}+lsé ;DklQ

-2072 cfiff( d;fGt_

C)fL jf kf^L{sf] gfd &]ufgf

u}/ a}+lsé ;sf/

u/]sf] ldlt

s"n u}/ a}lsé

;DklQ /sd ?=

gf]S;fgL Joj:yf

v"b u}/ a}+lsé

;DklQ ?=

ut jif{ ?=

k|ltzt

/sd ?=

––

––

–

–

––

––

–

–

s"n hDdf

– -

–

-

–

–

cg';"rL 4=15

cg';"rL 4=14

29


cg';"rL 4=16

h]laN; kmfO{gfG; lnld6]8cGo ;DklQ

-2072 cfiff( d;fGt_


1= d;nGb df}Hbft 463,238.80 468,614.80

2= nufgLdf c;"n ug{ af¤sL cfDbfgL 136,324.30 136,324.30

3= shf{df c;"n ug{ af¤sL Aofh 24,262,192.69 6,999,692.37 4,826,752.16

Go"g Aofh d'NtjL /sd -17,262,500.32_ – –

4= c;"n ug{ af¤sL sldzg – –

5= ;G*«L *]^;{ 16,611,959.67 98,357.36

6= sd{rf/L ;fk^L / k]ZsL 7,032,396.71 10,280,799.19

7= clu|d e'QmfgL 146,307.97 109,681.91

8= dfu{:y gub – –

9= dfu{:y cGo -r]s ;d]t_ 13,351.00 169,000.00

10= ljgf ;"rgf *«fkm\^sf] e'QmfgL – –

11= ckn]vg x'g af¤sL vr{ 857,520.10 1,143,360.10

12= zfvf ldnfg lx;fa – –

13= :yug s/ ;DklQ 3,268,165.67 5,264,554.53

14= cGo

14=1 w/f}^L 11,000.00 11,000.00

14=2 clu|d cfos/ 2,438,929.41 2,162,278.17

14=3 cGo 305,706.25 18,156.25

hDdf 38,284,592.26 24,688,878.77

cg';"rL 4=16-s_

cGo ;DklQ -yk ljj/)f_

-2072 cfiff( d;fGt_

ljj/)f

o; jif{ ?=

ut jif{ ?=1 jif{;Dd

1 jif{b]lv dfly 3 jif{;Dd

3 jif{eGbf dfly

hDdf

1= shf{df c;"n ug{ af¤sL Aofh 17,477,249.30 6,784,943.39 – 24,262,192.69 25,099,736.83

2= ljgf ;"rgf *«fkm\^sf] e'QmfgL – – – – –

3= zfvf ldnfg lx;fa – – – – –

4= :jb]zL ljb]zL Ph]G;L lx;fa – – – – –

30


cg';"rL 4=17

h]laN; kmfO{gfG; lnld6]8;Defljt bfloTjx?

-2072 cfiff( d;fGt_


1= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] – –

2= k|lttkqx? -k"/f /sd_ – –

-s_ 6 dlxgf eGbf sd cjlwsf] – –

-v_ 6 dlxgf eGbf a(L cjlwsf] – –

3= k"gM l*:sfp)^ ul/Psf lanx? – –

4= Dofb gfl# g;s]sf] Uof/]G^L÷a)* – –

-s_ la* a)* – –

-v_ k/km/d]G; a)* 1,900,000.00 1,900,000.00

-u_ cGo Uof/])^L÷a)* – –

5= r'Qmf jf e'Qmfg x'g af¤sL z]o/ nufgL – –

6= km/jf*{ PS:r]~h sG^«fS^sf] af¤sL bfloTjx? – –

7= sn]S;gdf /x]sf lanx? – –

8= dGh'/L tyf ;dy{g (Acceptance & Endorsement) – –

9= k|Tofe"lt k|lta$tf (Underwriting Commitment) – –

10= ckl/jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 19,088,899.08 6,860,200.00

11= cGt/f{li^«o >])fLs[t a}+ssf] sfp)^/ Uof/])^Ldf lbPsf] Uof/])^L – –

12= clu|d e'QmfgL Uof/])^L (Advance Payment Guarantee) – –

13= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) – –

14= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) – –

15= ======================= – –

31


cg';"rL 4=18

h]laN; kmfO{gfG; lnld6]8Aofh cfDbfgL

ldlt 01 >fj)f 2071 b]lv cfiff( d;fGt 2072 ;Dd


s= shf{ ;fk^ / clwljsif{df

1= shf{ ;fk^ 103,305,026.29 92,135,334.11

2= clwljsif{ – –

v= nufgLdf – –

1= g]kfn ;/sf/sf] ;'/If)fkq – –

-s_ ^«]h/L laN; – –

-v_ ljsf; C)fkq 1,864,800.00 1,208,730.08

-u_ /fli^«o artkq – –

2= ljb]zL C)fkq – –

-s_ – –

-v_ – –

3= g]kfn /fi^« a}+ssf] C)fkq – –

4= l*j]Gr/ tyf a)* – –

5= cGt/ a+}+s nufgLdf Jofh – –

-s_ a}+s÷ljQLo ;+:yfx? – –

-v_ cGo ;+:yfx? – –

u= Ph]G;L df}Hbftdf – –

1= :jb]zL a}+s÷ljQLo ;+:yfx? – –

2= ljb]zL a}+sx? – –

#= dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf – –

1= :jb]zL a}+s÷ljQLo ;+:yfx? 11,949,717.06 3,605,581.19

2= ljb]zL a}+sx? – –

ª= cGodf – –

1= ;l^{lkms]^ ckm l*kf]lh^ – –

2= cGt/ a}+s÷ljQLo ;+:yf shf{ – –

3= cGo 1,988.61 3,615,785.04

hDdf 117,121,531.96 100,565,430.42

32


h]laN; kmfO{gfG; lnld6]8Aofh vr{



s= lgIf]k bfloTjdf

1= d'@tL lgIf]k

1=1 :jb]zL d'b|f 36,935,818.02 33,600,655.18

1=2 ljb]zL d'b|f – –

2= art lgIf]k

2=1 :jb]zL d'b|f 31,475,332.97 28,419,250.16


3= dfu]sf] avt ltg'{kg]{ lgIf]k

3=1 :jb]zL d'b|f – –


4= ;l^{lkms]^ ckm l*kf]lh^\; – –

v= shf{ ;fk^df

1= C)fkq tyf a)* – –

2= g]kfn /fi^« a}+saf^ k|fKt shf{ – –

3= cGt/ a}+s÷ljQLo ;+:yf shf{ – –

4= cGo ;+ul&t ;+:yf – –

5= cGo shf{ – –

u= cGodf

1= ================== – –

2= ================== – –

hDdf 68,411,150.99 62,019,905.34

sldzg tyf l*:sfp)^



s= laN; v/Lb tyf l*:sfp)^

1= :jb]zL – –

2= ljb]zL – –

v= sldzg

1= k|lttkq – –

2= hdfgtkq 3,875.00 9,000.00

3= sn]S;g lkm – –

4= /]ld^]G; lkm 53,629.83 61,860.52

5= qm]l*^ sf*{ – –

6= z]o/ k|Tofe"lt÷lgisfzg 99,674.80 90,397.64

7= ;/sf/L sf/f]af/ afkt – –

8= Ohfhtkqk|fKt sldzg afkt – –

9= a§f cfDbfgL – –

u= cGo 57,923.74 51,564.54

hDdf 215,103.37 212,822.70

cg';"rL 4=20

cg';"rL 4=19

33


cg';"rL 4=21

h]laN; kmfO{gfG; lnld6]8cGo ;+rfng cfDbfgL



1= ;]km l*kf]lh^ eN^sf] ef*f – –

2= qm]l*^sf*{ lgisfzg tyf gjLs/)f – –

3= ATM sf*{ lgisfzg tyf gjLs/)f 21,000.00 19,800.00

4= ^]n]S;÷l^=l^ – –

5= ;]jf z'Ns 4,868,853.90 5,168,965.50

6= gjLs/)f z'Ns 928,893.87 699,849.72

7= cGo 1,574,401.01 2,292,742.96

hDdf 7,393,148.78 8,181,358.18

cg';"rL 4=22

;^xL #â( cfDbfgL÷gf]S;fg



-s_ ljlgdo b/df ePsf] km/saf^ – –

-v_ ljb]zL d'b|f sf/f]af/af^ -a§f afx]s_ – –

hDdf cfDbfgL÷-gf]S;fg_ – –

cg';"rL 4=23

sd{rf/L vr{



1= tna 6,831,734.86 6,130,690.01

2= eQf 2,960,160.99 2,790,262.28

3= ;+rosf]ifdf yk 677,887.62 584,457.34

4= tflnd vr{ 8,085.00 5,000.00

5= kf]zfs 256,713.22 242,430.60

6= cf}ifwf]krf/ 671,866.46 575,874.05

7= aLdf 4,093.94 –

8= k]G;g tyf pkbfg Joj:yf 338,275.00 210,925.00

9= cGo 324,006.00 343,601.00

hDdf 12,072,823.09 10,883,240.28

34


h]laN; kmfO{gfG; lnld6]8cGo ;~rfng vr{



1= #/ef*f 3,756,324.00 3,414,840.00

2= aQL lah'nL / kfgL 215,890.11 229,165.54

3= dd{t tyf ;Def/ – –

-s_ ejg – –

-v_ ;jf/L ;fwg 131,530.88 52,095.74

-u_ cGo 126,726.30 93,327.84

4= aLdf 526,810.96 507,427.94

5= kf]i^]h, ^]n]S;, ^]lnkmf]g, km\ofS; 92,958.73 103,326.21

6= sfof{no pks/)f kmlg{r/ / ;Def/ – –

7= e|d)f eQf / vr{ 135,927.00 126,376.00

8= d;nGb / %kfO{ 400,984.28 471,038.60

9= kqklqsf tyf k':ts 41,761.00 39,835.00

10= lj!fkg 265,559.12 245,104.26

11= sfg"gL vr{ – –

12= rGbf 475,000.00 26,101.00

13= ;+rfns ;ldlt ;DaGwL vr{

-s_ a}&s eQf 200,000.00 140,000.00

-v_ cGo vr{ 35,808.99 56,567.21

14= ;fwf/)f ;ef ;DaGwL vr{ 165,329.00 190,612.50

15= n]vfk/LIf)f ;DaGwL

-s_ cfGtl/s n]vfk/LIf)f z'Ns 99,440.00 81,360.00

-v_ aXo n]vfk/LIf)f z'Ns 96,050.00 96,050.00

-u_ cGo vr{ 95,999.00 56,350.00

16= /sd :yfgfGt/)f sldzg – –

17= l:y/ ;DklQdf x«f; s§L 1,449,718.49 1,500,399.62

18= k"j{ ;+rfng vr{ ckn]vg – 696,423.31

19= z]o/ lg:sfzg vr{ -ckn]vg_ – –

20= k|fljlws ;]jf ;f]wegf{ 1,160,698.11 1,043,407.78

21= dgf]/~hg vr{ – –

22= ckn]vg vr{ 285,840.00 623,946.73

23= ;'/Iff vr{ 548,750.00 542,100.00

24= shf{ ;'/If)f lk|ldod – –

25= sldzg / l*:sfp)^ 6,220.00 3,280.00

26= cGo

26=1 OGwg vr{ 582,048.48 643,108.57

26=2 ;b:otf tyf gljs/)f vr{ 373,705.00 281,320.00

26=3 z'ef/De÷aflif{s pT;a vr{ 78,945.00 23,375.36

26=4 gvKg] ;fdfg 71,480.00 34,306.00

26=5 ;kmfO{ vr{ 16,086.00 15,797.00

26=6 k"hf vr{ 61,885.00 61,491.00

26=7 clkm; vr{ 61,224.00 59,030.00

26=8 Aofkf/ k|a${g vr{ 202,538.55 181,358.40

26=9 z]o/ /lhi^«f/ vr{ 100,000.00 112,260.00

26=10 ljljw vr{ 28,345.00 17,980.00

hDdf 11,889,583.00 11,769,161.61

cg';"rL 4=24

35


cg';"rL 4=25

h]laN; kmfO{gfG; lnld6]8;Defljt gf]S;fgL Joj:yf



1= shf{ gf]S;fgL Joj:yfdf ePsf] j[l$ – 12,798,754.88

2= nufgL gf]S;fgL Joj:yfdf ePsf] j[l$ – –

3= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yf – –

4= cGo ;DklQdf ul/Psf] Joj:yf – –

hDdf – 12,798,754.88

cg';"rL 4=26

u}/ ;+rfng cfDbfgL÷gf]S;fgL



1= nufgL laqmLaf^ cfDbfgL÷-gf]S;fg_ 34,693,927.03 57,901,147.00

2= ;DklQ laqmLaf^ cfDbfgL÷-gf]S;fg_ – –

3= nfef+z 361,229.50 553,442.30

4= g]kfn /fi^« a}+saf^ k|fKt ;x'lnot – –

s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ – –

v= Aofh Ifltk"lt{ – –

u= ;^xL sfpG^/ – –

5= cGo – –

v"b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 35,055,156.53 58,454,589.30

cg';"rL 4=27

;Defljt gf]S;fgL Joj:yfaf^ lkmtf{



1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ 8,945,266.20 –

2= u}/ a}+lsé ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ – –

3= nufgL Joj:yfaf^ lkmtf{ – 259,544.27

4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ 200,570.54 544.27

hDdf 9,145,836.74 260,088.54

36


cg';"rL 4=28 -s_

ckn]lvt shf{sf] ljj/)f

-cfly{s jif{ 2071÷2072_

qm=;= shf{ k|sf/ckn]vg

ul/Psf] /sdlwtf]sf] k|sf/ tyf /sd

lwtf] d"Nof°sgsf] cfwf/

shf{ :jLs[t ug]{ clwsf/L÷tx

shf{ c;"nLsf nflu eP, u/]sf k|of;

s}lkmot

1= rfn' k"¤hL shf{ - - - - - -

2= kl/of]hgf shf{ - - - - - -

3= l:y/ k"¤hL shf{ - - - - - -

4= JolQmut shf{ - - - - - -

5= cGo shf{ - - - - - -

s"n shf{ - - - - - -

cg';"rL 4=28

h]laN; kmfO{gfG; lnld6]8c;fdfGo sf/f]af/x?af^ ePsf] cfDbfgL÷vr{



1= ckn]vg ePsf] shf{sf] c;"nL – –

2= :j]lR%s cjsfz vr{ – –

3= c;"nL x'g g;Sg] shf{sf] ckn]vg -4=28s_ – –

4= cGo vr{÷cfDbfgL – –

5= ======================== – –

hDdf – –

37


cg';"rL 4=29

h]laN; kmfO{gfG; lnld6]8;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)f

-2072 cfiff( d;fGt_

v/Lb tyf l*:sfpG^ ul/Psf lanx? / shf{, ;fk^ tyf clwljsif{df k|jflxt s"n /sddWo] ;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N*/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d]g]lhé Ph]G^ ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/)f b]xfo adf]lhd % .

;+:yfks÷;+rfns÷sfo{sf/L ut jif{;Ddsf] af¤sL o; jif{ c;'nL o; jif{ cfiff( d;fGt;Dd af¤sL

k|d'vsf] gfd ;f¤jf Aofh ;f¤jf Aofh yk shf{ ;f¤jf Aofh

-s_ ;~rfns

1= - - - - - - -

2= - - - - - - -

-v_ sfo{sf/L k|d'v

1= - - - - - - -

2= - - - - - - -

-u_ ;+:yfks

1= - - - - - - -

2= - - - - - - -

-#_ sd{rf/L

1= - - - - - - -

2= - - - - - - -

-ª_ z]o/wgLx?

1= - - - - - - -

2= - - - - - - -

hDdf - - - - - - -

38


h]laN; kmfO{gfG; lnld6]8k"¤hLsf]if tflnsf

-2072 cfiff( d;fGt_


-s_ k|fylds k"¤hL 279,221,305.69 235,321,004.91

1_ r'Qmf k"¤hL -;fwf/)f z]o/_ 220,000,000.00 200,000,000.00

2_ k|:tfljt af]g; z]o/ 36,850,000.00 20,000,000.00

3_ z]o/ lk|ldod – –

4_ lkmtf{ gx'g] cu|flwsf/ z]o/ – –

5_ ;fwf/)f hu]*f sf]if 20,814,997.00 11,050,576.97

6_ ;+lrt gfkmf÷gf]S;fg 2,413,828.79 149,233.51

7_ jf;nftdf b]vfO{Psf] rfn' cf=j= sf] gfkmf gf]S;fg lx;fasf] /sd – –

8_ k"¤hL lkmtf{ hu]*f sf]if – –

9_ k"¤hL ;dfof]hg sf]if – –

10_ sN; Og P*efG; – –

11_ cGo :jtGq sf]ifx? 3,268,165.67 5,264,554.53

#^fpg]M

– Voflt (Goodwill) afktsf] /sd – –

– :yug s/ hu]*f (Deferred Tax Assets) -3,268,165.67_

– ;LdfeGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd – –

– ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd – –

– cjf:tljs ;DklQ -857,520.10_ -1,143,360.10_

– o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu #/ hUuf v/Lb u/]sf] /sd – –

– ;LdfeGbf a(L cfjf; ejg lgdf{)f tyf hUUff ljsf;df nufgL u/]sf] /sd – –

– tf]lsPsf] ;doleq ljqmL ljt/)f ug{ g;s]sf] z]o/ k|Tofe"lt – –

– k|rlnt P]g tyf sfg"gn] k|ltaGw u/]sf JolQm tyf ;d"xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx? – –

-v_ k"/s k"¤hL 7,792,671.42 5,986,232.65

1_ c;n shf{sf] nflu u/]sf] shf{ gf]S;fgL Joj:yf 7,792,671.42 5,986,232.65

2_ cltl/Qm shf{ gf]S;fgL Joj:yf – –

3_ xfOla|* k"¤hL pks/)fx? – –

4_ ;'/If)f g/fv]sf] ;xfos cfjlws C)f – –

5_ ;^xL ;lds/)f sf]if – –

6_ ;DklQ k'gd"{Nof°g sf]if – –

7_ nufgL ;dfof]hg sf]if – –

-u_ hDdf k"¤hLsf]if -s + v_ 287,013,977.11 241,307,237.56

-#_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k"¤hLsf]if

k"¤hLsf]if -11 k|ltzt_ 108,293,851.94 90,746,301.69

k|fylds k"¤hL -5=5 k|ltzt_ 54,146,925.97 45,373,150.85

k"¤hLsf]if -clws÷Go"g_ -18=15 k|ltztn]_ 178,720,125.17 150,560,935.87

k|fylds k"¤hL -clws÷Go"g_ -22=86 k|ltztn]_ 225,074,379.72 189,947,854.06

cg';"rL 4=30

39


h]laN; kmfO{gfG; lnld6]8hf]lvd efl/t ;DklQ ljj/)f tflnsf

-2072 cfiff( d;fGt_

-s_ jf;nft adf]lhdsf] ;DklQ (On-Balance-sheet Assets) ef/o; jif{ ut jif{

/sd hf]lvd efl/t ;DklQ /sd hf]lvd efl/t ;DklQ

gub df}Hbft 0 5,383,705.48 – 8,304,014.41 –

;'g -ljlgdo of]Uo_ 0 – – – –

g]kfn /fi^« a}+sdf /x]sf] df}Hbft 0 37,339,941.09 – 33,508,838.89 –

g]kfn ;/sf/sf] C)fkqdf ul/Psf] nufgL 0 50,000,000.00 – 50,000,000.00 –

g]kfn /fi^« a}+s C)fkqdf ul/Psf] nufgL 0 – – – –

cfkm\g} d'@tL /l;bsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'@tL /l;b lwtf] shf{ 0 17,323,550.92 – 10,205,663.77 –

;/sf/L C)fkqsf] lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{ 0 – – – –

artkqsf] kfpg' kg]{ Jofh /sd (Accrued Interest) 0 136,324.30 – 136,324.30 –

ljkGg ju{ shf{ cGtu{t u)fgf x'g] o'jf tyf ;fgf Joj;foL :j/f]huf/ sf]ifdf "v" / "u" ju{sf Ohfhtkqk|fKt ;+:yfn] hDdf u/]sf] /sd

0 – – – –

:jb]zL a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'@tL /l;bsf] bfaL (Claims) 20 122,633,633.36 24,526,726.67 88,176,684.45 17,635,336.89

cGo a}+s tyf ljQLo ;+:yfx?sf] d'@tL /l;bsf] lwtf]df k")f{ ;''/lIft x'g] u/L k|bfg ul/Psf] d'@tL /l;b lwtf] shf{ 20 – – – –

ljb]zL a}+sx?df /x]sf] df}Hbft 20 – – – –

dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20 114,433,893.13 22,886,778.63 156,440,965.37 31,288,193.07

cGt/{li^«o >])fLs[t (Rated) Ohfhtkqk|fKt ;+:yfsf] Uof/]G^Ldf uPsf] shf{ 20 – – – –

cGt/f{li^«o >])fLs[t (Rated) a}+sdf u/]sf] cGo nufgL 20 – – – –

cGt/ a}+s ;fk^L 20 – – – –

z]o/, l*j]Gr/ Pj+ a)*df ePsf] nufgL 100 17,612,794.20 17,612,794.20 34,841,386.87 34,841,386.87

cGo nufgLx? 100 – – – –

shf{, ;fk^L tyf ljN; vl/b÷l*:sfp)^ ;d]t -s"n /sd_ 100 789,415,201.41 789,415,201.41 661,833,990.63 661,833,990.63

l:y/ ;DklQx? 100 5,552,845.70 5,552,845.70 6,282,182.17 6,282,182.17

cGo ;a} ;DklQx? -v"b clu|d s/ bflvnf afx]s_ 100 28,709,646.17 28,709,646.17 17,563,524.14 17,563,524.14

kfpg'kg]{ cGo v"b Aofh /sd -s"n kfpg' kg]{ Aofh -;/sf/L C)fkqsf] Aofh - Aofh d'NtaL_ 100 6,999,692.37 6,999,692.37 4,826,752.16 4,826,752.16

;Ldf gf#]sf] l/on :^]^÷cfj;Lo #/ shf{ 150 5,787,043.52 8,680,565.28 – –

-s_ hDdf 1,201,328,271.65 904,384,250.43 1,072,120,327.16 774,271,365.93

-v_ jf;nft aflx/sf] sf/f]af/ (Off-balance sheet Items)

laN; sn]S;g 0 – – – –

clu|d ljb]zL ljlgdo ;Demf}tf 10 – – – –

6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/} /sd_ 20 – – – –

cGt/f{li^«o >])fLs[t (Rated) ljb]zL Ohfhhtkqk|fKt ;+:yfsf] sfp)^/ Uof/])^Ldf hf/L ul/Psf] Uof/])^L 20 – – – –

6 dlxgfeGbf a(L cjlwsf] k|lttkq -k'/} /sd_ 50 – – – –

lj*a)*, k/km/d]G; a)* / k|Tofe"lt (Underwriting) ;DaGwL k|ltj$tf 50 1,900,000.00 950,000.00 1,900,000.00 950,000.00

k'gM vl/b ug]{ zt{df ljqmL u/]sf] shf{ 50 – – – –

clu|d e'QmfgL Uof/])^L (Advance payment Guarantee) 100 – – – –

ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100 – – – –

ckl/jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 100 19,088,899.08 19,088,899.08 6,860,200.00 6,860,200.00

cfos/ afkt ;Defljt bfloTj 100 – – – –

Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTj 100 – – – –

e'QmfgLsf nflu bfjL k/]sf] hdfgt (Unpaid Guarantee Claims) 200 – – – –

-v_ hDdf 20,988,899.08 20,038,899.08 8,760,200.00 7,810,200.00

-u_ ;+rfng hf]lvd jfkt sfod ug'{kg]{ /sd 100.00 60,066,413.58 60,066,413.58 42,884,813.09 42,884,813.09

s"n hf]lvd efl/t ;DklQ hDdf -s_ + -v_ + -u_ 1,282,383,584.31 984,489,563.09 1,123,765,340.25 824,966,379.02

cg';"rL 4=30-s_

40


cg';"rL 4=31

h]laN; kmfO{gfG; lnld6]8k|d"v ;"rsf°

sDtLdf ljut 5 jif{sf] kl/;"rsx?

l;=g+= ljj/)f ;"rsF°cf=j=

2071.72cf=j=

2070.71cf=j=

2069.70cf=j=

2068.69cf=j=

2067.68

1 v"b gfkmf÷s"n cfDbfgL k|ltzt k|ltzt 28.90 27.20 -9.65_ 6.88 5.78

2 k|lt z]o/ cfDbfgL ?= 22.19 22.80 -4.38_ 4.53 3.12

3 k|lt z]o/ ahf/ d"No ?= 126.00 178.00 — — —

4 d"No cfDbfgL cg'kft (PE Ratio) cg'kft 5.68 7.81 — — —

5 z]o/ k"¤hL nfef+z -af]g; ;lxt_ k|ltzt 16.75 10.00 — — —

6 z]o/ k"¤hL gub nfef+z e'QmfgL k|ltzt 0.88 4.74 — — —

7 Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 12.71 13.71 11.50 14.41 13.99

8 sd{rf/L vr{÷s"n ;+rfng vr{ k|ltzt 15.03 12.85 13.52 16.62 17.35

9 s"n lgIf]k tyf ;fk^Ldf Jofh vr{ k|ltzt 7.92 8.08 8.96 9.91 10.52

10 ;^xL #â( cfDbfgL÷s"n cfDbfgL k|ltzt – – – –

11 sd{rf/L af]g;÷s"n sd{rf/L vr{ k|ltzt 57.65 58.64 — 6.88 5.56

12 v"b gfkmf÷shf{ ;fk^ k|ltzt 6.01 6.79 -1.49_ 1.26 1.11

13 v"b gfkmf÷s"n ;DklQ cg'kft 4.20 4.46 -1.11_ 0.92 0.81

14 s"n shf{÷lgIf]k k|ltzt 94.03 87.54 100.79 94.84 100.83

15 s"n ;+rfng vr{÷s"n ;Dklt k|ltzt 7.95 8.28 9.16 11.49 11.89

16 hf]lvd efl/t ;Dkltdf k¤"hLsf]ifsf] kof{Kttf

s= k|fylds k¤"hL k|ltzt 28.36 28.52 26.86 26.86 33.34

v= k"/s k¤"hL k|ltzt 0.79 0.73 1.04 1.04 0.96

u= s"n k¤"hL sf]if k|ltzt 29.15 29.25 29.45 27.90 34.30

17 t/ntf (CRR) cg'kft 4.32 4.37 4.64 2.64 1.98

18 lgis[o shf{÷s"n shf{ k|ltzt 5.41 10.92 6.58 2.96 2.18

19 Jofh b/ cGt/ (Weighted Average Interest Rate Spread) k|ltzt 5.45 5.37 5.93 5.19 4.39

20 a's g]^jy{ k|ltz]o/ ?= 128.79 118.23 100.17 108.91 104.38

21 s"n z]o/ ;+Vof 2200000.00 2,000,000 2,000,000 1,020,000 1,020,000

22 s"n sd{rf/L ;+Vof 21 21 21 18 18

23 cGo

41


h]laN; kmfO{gfG; lnld6]8Go"/f]*, sf&df*f}+

-2072 ;fn cfiff( 31 ut]sf] jf;nft tyf ;f] ldltdf ;dfKt jif{sf] gfkmf gf]S;fg lx;fa;+u ;DalGwt_

cg";'rL 4=32

k|d"v n]vf gLltx?1= ;fdfGo hfgsf/L

h]laN; kmfOgfG; lnld ]̂*, g]kfndf :yflkt ;Lldt bfloTj ePsf] g]kfn /fi «̂ a}+saf^ Ohfhtkq k|fKt “u” ju{sf] ljQLo ;+:yf

xf] . o;sf] /lhi^*{ sfof{no Go"/f]*, sf&df)*f}df /x]sf] % .

2= ljQLo ljj/)fx?sf] cfwf/ M

sDkgLsf] ljQLo ljj/)fx? P]ltxfl;s d"No cjwf/)ffsf] cfwf/df ;j{dfGo n]vf l;¢fGt, a}+lsé Joj;fodf k|rlnt

n]vfgLlt, g]kfn n]vfdfg (NAS) nfO{ cfwf/ lnO{ g]kfn /fi^« a}+ssf] lgb]{zg / a}s tyf ljQLo ;+:yf ;DaGwL P]g 2063

cg";f/ tof/ ul/Psf %g\ .

3= l:y/ ;DklQ

pks/)f, kmlg{r/ Pj+ lkmS:r/ tyf ;jf/L ;fwgnfO{ k/n df]ndf x|f; vr{ s^fO{ n]vf°g ul/Psf] % . l:y/ ;DklQsf] k/n

df]n lgwf{/)f ubf{ l:y/ ;DklQx?nfO{ vl/b tyf lgdf{)f ubf{ nfu]sf] nfut dúNosf ;fy} k|of]u ug]{ cj:yfdf Nofp¤bf ;Ddsf vr{x?

;d]t ;dfj]z ul/Psf %g\ .

4= kú¤hLs[t gul/Psf ;DklQx?

k|lt OsfO{ ?=3,000÷ jf ;f] eGbf sd dúNo kg]{ sfof{no pks/)f, kmlg{r/ tyf lkmS:r/ cflb vl/b ePs} jif{df vr{

n]Vg] ul/Psf] % .

5= x|f;s§L

l:y/ ;DklQsf] x|f;s§L #^\bf] d'No k|)ffnL (Diminishing Value Method) df cfos/ P]g 2058 n] tf]lslbPsf] x|f;

s§L b/df lx;fa u/L vr{ n]lvPsf] % .

6= ckn]vg (Amortization)

ljQLo ;+:yfsf] k'j{ ;+rfng vr{ kf¤r jif{sf] cjlwdf ckn]vg ug]{ gLlt /x]sf] % .

7= nufgL

ljQLo ;+:yfn] ;Dk')f{ nufgLnfO{ Held to Maturity , Held for Trading, Available For Sale u/L tLg j^f ju{df juL{s/)f ul/Psf] % . k/n d'No jf ahf/ d'No dWo] h"g sd % ;f] d'Nodf n]vf°g ug]{ ul/Psf] % . k/n d'No eGbf

ahf/ d'No sd ePsf] cj:yfdf ;Defljt hf]lvd Joxf]g{ gf]S;fgL Joj:yf u/L v'b nufgL b]vfpg] ul/Psf] % . ;'lrs[t

gePsf sDkgLsf] z]o/ tyf l*a]Gr/df ePsf] nufgLsf] d'Nof°g nfut d'Nodf ug]{ ul/Psf] % .

8= u}/ a}+lsé ;DklQsf] n]vf+sg gLlt

c;'n x"g g;s]sf] shf{sf] ;'/If)fsf] ?kdf /x]sf] ;DklQnfO{ shf{ c;'nLsf] qmddf sDkgLn] ;sf/ ubf{ To;nfO{ u}/

a}+lsé ;DklQdf b]vfpg] gLlt /x]sf] % . lwtf] ;sf/ ubf{ lwtf]df /x]sf] ;DklQsf] ahf/ d'NonfO{ Wofgdf /flv s'n jSof}

tf -Jofh /sd ;d]t_ shf{ /sd jf ahf/ d'Nodf h"g sd x"G% ;f]lx d'Nodf ;sf/ ug]{ gLlt /x]sf] % . g]kfn /fi «̂

a}+sn] lbPsf] lgb]{zg jdf]lhd oL ;DklQsf] gf]S;fgL Joj:yf ug]{ / o:tf] Joj:yf /sdnfO{ ;f]xL ;DklQaf^ Go'g ul/

b]vfpg] gLlt ckgfPsf] % . sDkgLn] ;sf/ u/]sf] ;DklQ a]rljvg ubf{ cfpg] km/s /sddf To;df ul/Psf] Joj:yfnfO{

;dfof]hg u/L af+sL /x]sf] /sdnfO{ ;f]xL jif{ gfkmf gf]S;fg lx;fadf ;dfof]hg ug]{ gLlt /x]sf] % .

42


9= Aofh cfDbfgL

shf{ tyf ;fk^df 365 lbgsf] cfwf/df jflif{s Jofh u)fgf ul/Psf] % .

shf{ tyf ;fk^sf] AofhnfO{ g]kfn /fi «̂ a}+ssf] lgb]{zg cg";f/ gub k|flKts} cfwf/df n]vf°g ug"{ kg]{ x"gfn] ;f]lx cg";f/

ul/Psf] % . g]=/f= a}+ssf] lgb]{zg cg";f/ o; jif{sf] cfiff( d;fGtdf c;"nL ug{ af+sL Aofh dWo] rfn' cfly{s jif{sf]

klxnf] dlxgfsf] >fj)f 15 ;Dd c;"nL u/]sf] Aofh /sdnfO{ cfDbfgL hgfO{ af+sL Aofh cfDbfgLnfO{ Jofh d"NtaL lx;fa

(Interest Suspense Account) cGtu{t b]vfOPsf] % .

10= sldzg tyf /]ld^fG; cfo

ljQLo hdfgt ( Financial Guarantee ) hf/L u/] jfkt k|fKt ;]jf z'NsnfO{ hdfgt cjlwsf] cg"kft cg";f/ jflif{s ?kdf

cfodf ;dfa]; ug]{ u/]sf] tyf /]ld^fG; tyf cGoaf^ cflh{t sldzg cfonfO{ k|fKt ePs} avt n]vf°g ul/Psf] % .

11= Aofh vr{

lgIf]k bfloTj tyf ;fk^Ldf 365 lbgsf] cfwf/df jflif{s Jofh u)fgf ul/Psf] % .

lgIf]k bfloTj tyf ;fk^Ldf ltg"{ kg]{ AofhnfO{ Accrual Basis df n]vf°g ul/Psf] % .

12= shf{ tyf ;fk^

u|fxsx?nfO{ k|bfg ul/Psf] shf{ tyf ;fk^ g]kfn /fi «̂ a}+ssf] lgb]{zg cg";f/ juL{s/)f u/L k|:t"t ul/Psf] % .

13= ;Defljt gf]S;fgL Joj:yf

shf{ ;fk^Ldf g]kfn /fi «̂ a}+ssf] lgb]{zg adf]lhd ;Defljt gf]S;fgL jfkt Joj:yf ul/Psf] % . jiff{Gtdf c;"n ug{

af¤sL s'n shf{ ;fk^nfO{ g]kfn /fi «̂ a}+ssf] lgb]{zg cg";f/ juL{s/)f u/L 1 k|ltzt b]lv 100 k|ltzt;Dd shf{ gf]S;fgL

Joj:yf ul/Psf] % .

14= sd{rf/L ;fk^L

;+:yfsf] sd{rf/L ;]jf ljlgodfjnL cg";f/ sd{rf/Lx?nfO{ k|bfg ul/Psf] ;fk^LnfO{ cGo ;DklQ cGtu{t b]vfO{Psf] % .

15= sd{rf/L af]g; Joj:yf

af]g; P]g 2030 cg";f/ cfos/ Joj:yf cl#sf] gfkmf -sd{rf/L af]g; Joj:yf kZrft_ sf] 10 k|ltzt /sd sd{rf/L

af]g; jfkt %"^\ofO{Gf] ul/Psf] % .

16= cfos/ Joj:yf

s_ s/ Joj:yf

cfos/ P]g, 2058 tyf cfos/ lgodfjnL, 2059 adf]lhd :jo+s/ lgwf{/)faf^ lgwf{l/t s/of]Uo cfodf 30 k|ltztn]

x"g] /sd cfos/ jfkt Joj:yf ug]{ ul/Psf] % . ;+:yfn] u/]sf] cfos/ Joj:yf ;DalGwt /fhZj sfof{noaf^ clGtd

s/ lgwf{/)f x"bf #â( ePdf To:tf] km/s /sdnfO{ ;f]xL jif{ cfjZostfg";f/ n]vf+sg ul/g] % .

v_ :yug s/

;+:yfn] g]kfn n]vfdfg 09 :yug s/n] lgb]{zg u/]sf] Joj:yf cg";f/ :yug s/ cfDbfgL tyf vr{sf] u)fgf u/L :yug

s/ ;DklQ tyf bfloTjsf] Joj:yf u/]sf] % .

17= sd{rf/L pkbfg Joj:yf tyf ljbf jfktsf] e"QmfgL

sDkgLdf sfo{/t :yfoL sd{rf/Lx?sf] ;]jf cjlwsf] cfwf/df sd{rf/L ljlgodfjnL 2066 cg"?k pkbfgsf] Joj:yf ul/

Psf] % tyf sd{rf/Lx?sf] ljbf jfktsf] e"QmfgL ul/g] vr{nfO{ e"QmfgLsf] cfwf/df (Cash Basis) df n]vf°g ug]{ ul/Psf]

% .

18= d;nGb df}Hbft

v /Lb ul/Psf d;nGb df}HbftnfO{ nfut d'Nosf] cfwf/df n]vf°g u/L pkof]u ul/Psf] ;dodf vr{ hgfO{Psf] % .

43


h]laN; kmfO{gfG; lnld6]8Go'/f]8, sf7df8f}+ .

cg";'rL 4=33

n]vf ;DaGwL l6Kk0fLx?

1= o; cfly{s jif{sf] cGtdf o; ;+:yfsf] shf{ df}Hbft / ckn]vg ul/Psf] ;f¤jf tyf Aofhsf] ljj/)f lgDg cg";f/ % .

shf{ tkm{ ?=xhf/df

ljj/)f /sd

ut jif{sf] shf{ tyf ;fk^ 672,040=00

o; jif{ k|jfx 536,403=00

o; jif{ c;'nL 395,917=00

o; jif{ ckn]vg –

d;fGtdf af+sL shf{ tyf ;fk^ 812,526=00

Aofh tkm{ ?=xhf/df

ljj/)f /sd

ut jif{sf af+sL 20,273=00

o; jif{ kfs]sf] Aofh 100,295=00

o; jif{ c;'nL ePsf] 103,305=00

o; jif{ ckn]vg ePsf] –

d;fGtdf af+sL Aofh - d"NtaL lx;fadf ;f/]sf] _ 17,263=00

2= lgIf]k bfloTj cGtu{t k|To]s zLif{sdf jif{ el/df kl/jt{g ePsf] /sdsf] ;+lIfKt ljj/)f

?=xhf/df

ljj/)f o; jif{ ut jif{ kl/jt{g

d"@tL lgIf]k 373,235=00 350,196=00 23,039=00

art lgIf]k 331,496=00 198,056=00 133,440=00

;+:yfut lgIf]k 159,389=00 219,407=00 -60,018=00_

hDdf 864,120=00 767,659=00 96,461=00

3= cf}ift Aofhb/ cGt/

ljj/)f k|ltzt

shf{ tyf ;fk^df k|fKt x"g] cf}ift k|ltkmn 12.85

lgIf]kdf ltg"{ kg]{ cf}ift nfut 7.40

cf}ift Aofhb/ 5.45

4= sDkgLsf] z]o/ lgisfzg vr{ tyf ;km\^j]o/ vr{ k¤fr jif{sf] cjlwdf vr{ ckn]vg ug]{ gLlt ePsf]df ckn]vg x"g

af¤sL z]o/ lgisfzg vr{ ?= 857,520.10 /x]sf] % .

5= sDkgL]n] lgDg kmd{, AolQm÷ ;d"xnfO{ k|bfg ul/Psf] shf{ r}q d;fGt 2071 sf] k|fylds k'+hLsf] cfwf/df ?

11,337,051.71 clws ePsf]df cfiff( d;fGt 2072 sf] k|fylds k'+hLsf] cfwf/df ? 951,282.34 clws ePsf]n] ;f]

a/fa/sf] /sdsf] shf{ gf]S;fgL Joj:yf ul/Psf] % .

44


ljj/)f shf{ /sd

pld{nf yfkf @^,@)&,(#^.&!

laZj las|d yfkf #(,#%$,)))

PGf cf/ lagfos k|f= ln %,()),)))

hDdf &!,$^!,(#^.&!

@)&@ cfiff(sf] k|fylds k'+hLsf] cfwf/df Psn u|fxs shf{ l;df &),%!),^%$.#&

clws shf{ k|jfx (%!,@*@.#$

6= t/ntf ;DalGw hf]lvd Go'gLs/)f ug{ Ohfhtkq k|fKt ;+:yfn] cfkm\gf] bfloTj tyf ;DklQnfO{ e"QmfgL cjwL

(Maturity Period) sf] cfwf/df ljleGg ;do cGt/fndf jufL{s/)f ug{"kg]{ ;DaGwdf g]kfn /fi «̂ a}+sn] lbPsf] lgb]{zg

cg"?k ;DklQ / bfloTjsf] jufL{s/)f ul/Psf] ljj/)f -lgb]{zg g+= 5=1_ ;+nUg adf]lhd /x]sf] % .

7= ljQLo ;+:yfn] cfkm\gf] ;DklQ lwtf] /fvL C)f lnPsf] %}g .

8= ljQLo ;+:yfsf] s"g} k|sf/sf] u}/ a}lsé ;DklQ /x]sf] %}g .

9= ljQLo ;+:yfsf] r"Qmf k'+hL dWo] clu|d e"QmfgL k|fKt (Paid in Advance), e"QmfgL k|fKt x"g af+sL (Calls in Arrears) / hkmt

ul/Psf t/ k"gM lgisfzg gul/;s]sf (Forfeited But Not Issued) z]o/x? /x]sf %}gg\ .

10= ljQLo ;+:yfn] lnhxf]N* ;DklQdf lgDg adf]lhd nufgL ul/Psf] % .

ljj/)f /sd

ut jif{;Ddsf] af+sL 504,973

o; jif{ ckn]vg 25,248

o; jif{sf] cGTodf af+sL 479,725

11= a}+s tyf ljQLo ;+:yf ;DalGw P]g 2063sf] bkmf 44 sf] pkbkmf 1 adf]lhd ljQLo ;+:yfn] v'b gfkmfaf^ aL; k|ltztn]

x"g cfpg] /sd ?=9,764,420.03 ;fwf/)f hu]*f sf]ifdf ;fl/Psf] % .

12= >d -klxnf ;+zf]wg_ P]g, 2054 sf] bkmf 41 -1_ cg";f/ /fVg" kg]{ sd{rf/L cjsf; sf]ifsf] Joj:yf ul/Psf] %}g . af]g; P]g

2030 sf] Joj:Yff cg";f/ s/ Joj:yf cl#sf] v'b gfkmfsf] 10 k|ltztn] x"g] ?= 6,959,747.30 sd{rf/L af]g;af^

vr{ Joj:yf u/]sf] % .

13= cfos/ P]g @)%* tyf ;f] P]g cGtu{t ag]sf] lgod cg";f/ :jo+s/ lgw{f/)f cg";f/ sfod ePsf] s/ of]Uo cfosf]

cfwf/df cfos/ u)fgf u/L o; jif{ cfos/ jfkt ?= 18,778,984.00 lx;fadf Joj:yf u/]sf] % .

14= ;Defljt bfloTj

o; ljQLo ;+:yfn] hf/L u/]sf] Financial Guarantee dWo] cjlw ;dfKt gePsf] ?= 1,900,000.00 nfO{ ;Defljt

bfloTj cGtu{t b]vfOPsf] % .

15 g]kfn n]vf dfg (NAS 9) cg";f/ Timing Difference af^ x"g cfpg] o; jif{sf] Go"g ePsf] cfos/ ;DklQ (Deferred Tax Assets) ?= !,((^,#**.*^ nfO{ gfkmf gf]S;fg lx;fjdf ;dfj]z ul/ x"g] s'n /sd ? #,@^*,!^%.^& nfO{ cGo ;DklQdf b]vfO{

;f]lx a/fa/sf] /sdnfO{ cGo hu]*f sf]ifdf ;fl/Psf] % . ;fy} clws ePsf] (Deferred Tax Reserve) k/ ;f/LPsf]

s/ hu]*f ? !,((^,#**.*^ nfO{ gfkmf gf]S;fg af+*kmf+* lx;fadf cfDbfgL hgfOPsf] % .

/ k/ ;fl/Psf] s/ ;DklQ ljj/)f @)&!.&@ lgDg adf]lhd %g\ M

?= df

ljj/)f /sd

:yug s/ ;DklQ (Deferred Tax Assets)pkbfg Joj:yf #)(,(#)

shf{sf] nflu Joj:Yff #,!#$,$&*

;d:ofu|:t ljlQo ;+:yfdf /x]sf] df}Hbftsf] nfuL Joj:yf @)(*.&*

l:y/ ;DklQ &*,(!$.(@

hDdf :yug s/ ;DklQ (Deferred Tax Assets) #,%@%,$@!.&)

:yug s/ bfloTj (Deferred Tax Liabilities)k/;fl/Psf] vr{ @%&,@%^.)#

v'b :yug s/ ;DklQ (Deferred Tax Assets) #,@^*,!^%.^&

45


cfos/ u)fgf k|of]hgsf] nflu lgwf{l/t cfo tyf ljlQo ljj/)f cg";f/sf] gfkmfsf]] cGt/ ;DaGwL lgDg adf]lhd % M

?= df

ljj/)f /sd

n]vf cg";f/sf] gfkmf÷ -gf]S;fgL_ (Accounting Profi t/(loss)) 69,597,473

lgwf{l/t s/sf] b/ 30Ü n] x"g] /sd 20,879,242

s/ of]Uo cfo lgwf{/)f ubf{ bfjL ug{ gkfpg] vr{÷;dfj]z ug{ gkg]{ cfosf] ;dfof]hgjf^ s/df kg]{ km/s /sd

nfefz+ cfDbfgL -!)*,#^(_

rGbf $,%))

hDdf @),&&%,#&#

16 ;DjlGwt kfl^{ (Related Party) ;DjlGw pb\#]fif)f

g]kfn n]vfdfg 16 (Nepal Accounting Standard-16) cg";f/ lgDgfg";f/nfO{ ;DalGwt kIf elg kl/eflift ul/Psf] % M

Joj:yfkgdf /x]sf k|d"v JolQmx? (Key Mangement Personnel):

;+rfns tyf k|d"v sfo{sf/L clws[tnfO{ Joj:yfkgsf k|d"v JolQmsf] ?kdf lnOPsf] % . ;f]sf] ljj/)f lgDgfg";f/ /x]sf] % .

lagf]b s'df/ dfgGw/ – cWoIf

uf]kfn /fhe)*f/L – ;+rfns

lagf]b >]i& – ;+rfns

nIdLnfn gsdL{ – k|d"v sfo{sf/L clws[t

cRo"t /Tg ah|frfo{ – ;+rfns

pd]z gsdL{ – ;+rfns

ljQLo ;+:yf tyf ;DalGwt JolQmx?jLr ePsf] sf/f]af/sf] lgldQ o; jif{ lgDg vr{x? e"QmfgL ul/Psf] % .

tna eQf / cGo ?=#$,$),(%#=))

;+rfns eQf ?=@,)),)))=))

n]vf tyf cGo ;ldlt eQf ?=@@,%))=))

17 hf]lvd Joxf]g]{ sf]if M

>fj)f 15, 2072 ;Dddf c;'n ePsf] Aofhsf] shf{ tyf ;fk^LnfO{ k')f{ jlu{s/)f u/L ;f]xL cg";f/ Joj:yf ul/Psf] % . h;sf]

sf/)f k|:t"t jif{ 2071÷72 sf] gfkmfdf ?= 26,246,365.45 sf] k|ToIf c;/ eO ;f]lx cg"kftdf gfkmf a[l$ x"g uPsf] % .

18 cGo

2072 >fj)f 15 ;Dd c;'nL u/]sf Aofhn] Aofh cfDbfgLdf k/]sf] c;/ .

o; jif{sf] cfiff( d;fGtdf c;'nL af+sL Aofh dWo] rfn" cfly{s jif{sf] klxnf] dlxgfsf] >fj)f 15 ;Dd c;'nL u/]sf] Aofh ?=

6,999,692.37 nfO{ cfodf ;dfa]; ul/Paf^ k|:t"t jif{ 2071÷72 sf] gfkmfdf k|ToIf c;/ u/L ;f]xL cg"kftdf gfkmfdf a[l$ x"g

uPsf] % .

19 k|:tfljt af]g; z]o/ tyf gub nfef+z M

z]o/ k'+hLsf] 16=75Ü n] x"g cfpg] ?=36,850,000 af]g; z]o/sf] ?kdf / 0=8816Ü n]] x"g cfpg] ?=1,939,473=68 -af]g; z]o/df

nfUg] s/ k|of]hgsf] nflu_ gub nfef+zsf] ?kdf ljt/)f ug{ k|:tfljt ul/Psf] % . pQm nfef+z / af]gz z]o/ g]kfn /fi «̂ a}+saf^

:jLs[t eO{ ;fwf/)f ;efaf^ kfl/t eP kZrft dfq ljt/)f x"g]% .

20= k"g;{d'xs/)f tyf k"gj{lu{s/)f (Regrouping and Reclassifi cation)

ut jif{sf] /sdx?nfO{ cfjZostf cg";f/ k"g/;d'xs/)f tyf k"g/jlu{s/)f ul/Psf] % .

46


s|=;

+ljj/)f

1 – 90 lbg

91 – 180 lbg

181 – 270 lbg

271 – 365 lbg

1 jif{ eGbf dfly

s"n /sd

;DklQ

1gub df}Hbft

5,383.71

––

––

5,383.71

2a}+s tyf ljlQo ;+:yf df}Hbft

274,407.47

––

––

274,407.47

3ljb]zL a}+sdf ul/Psf] nufgL

––

––

––

4sn dgL

––

––

––

5;/sf/L ;"/If)fkq

––

––

50,000.00

50,000.00

6g]=/f= a}s C)fkq

––

––

––

7cGt/ a}s tyf ljQLo ;+:yf shf{

––

––

––

8shf{ ;fk^

132,370.48

103,013.78

94,288.56

95,339.95

387,513.02

812,525.80

9kfp

g"kg]{ Aofh

1,555.02

––

–22,843.50

24,398.52

10

l/e;{ l/kf]

––

––

––

11

k|lta$tf cGtu{t cGo ;+:yfx?af^ k|fKt x"g]

––

––

––

12

qm=;= 20, 21, / 22 sf ;"ljwfx?sf] e"QmfgL

19,088.90

––

900.00

1,000.00

20,988.90

13

cGo

87,675.35

313.88

2,909.79

676.89

635.11

92,211.02

s"n ;DklQ

520,480.92

103,327.66

97,198.35

96,916.84

461,991.63

1,279,915.41

bfloTj

14

rNtL lgIf]k

––

––

––

15

art lgIf]k

485,633.37

––

–3,855.00

489,488.37

16

d"@tL lgIf]k

86,725.64

78,745.00

95,962.50

55,315.71

57,882.32

374,631.17

17

C)fkqx¿

––

––

––

18

;fk^L M

dfu÷cNk ;"rf?

––

––

––

cGt/ a}s÷ lj= ;+:yf

––

––

––

k"g/shf{

––

––

––

cGo

––

––

––

19

cGo bfloTj tyf Joj:yfx? M

;)*«L qm]l*^;{

5,031.31

––

5.00

16,103.20

21,139.51

e"tmfgL lbg"kg]{ ljn

––

––

––

e"QmfgL lbg"kg]{ Aofh

322.73

6.01

33.46

2.25

1.82

366.28

Joj:yfx?

43,449.65

6,959.75

––

43,158.16

93,567.56

cGo

––

––

––

20

k|lta$tf cGtu{t cGo ;+:yfx?af^ lbg"kg]{

––

––

––

21

pkef]u e}g;s]sf] :jLs

[t ;"ljwfx?

19,088.90

––

––

19,088.90

22

k|lttkq÷hdfgt -v

'b_

––

–900.00

1,000.00

1,900.00

23

l/kf]

––

––

––

24

qm=;= 11 cGtu{tsf] ;"ljwfs

f] e"QmfgL

––

––

––

25

cGo

––

––

––

s"n bfloTj

640,251.60

85,710.76

95,995.96

56,222.96

122,000.51

1,000,181.79

v'b ;DklQ

-119,770.67_

17,616.89

1,202.39

40,693.89

339,991.12

279,733.62

;+lr

t v'b ;DklQ

-119,770.67_

-102,153.78_

-100,951.39_

-60,257.50_

279,733.62

-¿= xhf/df_

Ohfht k|fKt ;+:yfsf] gfd M h]laN; kmfO{gfG; lnld^]*

cjlw M 2072 cfiff( d;fGt

;+/rgfut t/ntf

(Str

uctu

ral L

iqui

dity

) ljj/)f tflnsf

lgb]{zg kmf=g+ 5=1

47


cg';"rL 4=34

h]laN; kmfO{gfG; lnld6]8;+:yfks÷;+:yfks ;d'xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s

tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/)f

-2072 cfiff( d;fGt_

qm=;=;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf] gfd

;+:yfkssf] :jldTjdf sfod /x]sf] z]o/

shf{ ljj/)f

s}lkmots"n lsQf ;+Vof

s"n r'Qmf k"¤hLsf] k|ltzt

shf{ lnPsf] cGo a}+s÷ljQLo ;+:yfsf]

gfd

shf{ /sd

lwtf]df /x]sf]z]o/ lsQf ;+Vof

1 – – – – – – –

2 – – – – – – –

3 – – – – – – –

4 – – – – – – –

48


Jebil's Finance Ltd.New Road, Kathmandu

Comparision of Unaudited and Audited Financial Statement of FY 2071/2072 NRs.in 000'

S.N. Particulars

As per Unaudited Financial Statement

As per Audited

Financial Statement

Variance in Amount

Variance in Percentage Reasons for Variance

1 Total Capital and liabilities (1.1 to 1.7) 1,160,226 161,649 1,423 0.121.1 Paid up capital 220,000 256,850 36,850 16.75 Due to proposed Bonus Share

1.1.1 Share Premium - - - -

1.2 Reserve and surplus 63,777 26,497 (37,280) (58.45) Due to change in Provision & Def-fered Tax

1.3 Debenture and Bond - - - - 1.4 Borrowings - - - - 1.5 Deposit (a+b) - -

a.Domestic currency 864,120 864,120 - - b.Foreign currency - - - -

1.6 Income Tax Liability - - - -1.7 Other liabilities 12,329 14,183 1,854 15.03 Due to proposed dividend

2 Total Assets (2.1 to 2.7) 1,160,226 1,161,649 1,423 0.122.1 Cash and Bank Balance 165,357 165,357 - - 2.2 Money at call and short notice 114,434 114,434 - - 2.3 Investments 67,613 67,613 - - 2.4 Loans and Advances 771,349 770,408 - - Due to Change In Loan Loss Provision

2.5 Fixed Assets 5,551 5,553 2 0.03 Due to Change in Depreciaition

2.6 Non Banking Assets - - - -

2.7 Others Assets 35,922 38,285 (2,363) (6.58) Due to change in Deffered Tax & adjustment in advance tax

3 Profi t and Loss Account - - 3.1 Interest Income 117,122 117,122 - - 3.2 Interest Expenses 68,411 68,411 - -

A.Net Interest Income (3.1-3.2) 48,711 48,711 - -

3.3 Fees, Commission and Discount 215 215 - -

3.4 Other Operating Income 7,393 7,393 - - 3.5 Foreign Exchange Gain/Loss (Net) - - - -

B.Total Operating Income (A.+3.3+3.4+3.5) 56,319 56,320 (1) - 3.6 Staff Expenses 12,073 12,073 0 - 3.7 Other Operating Expenses 11,891 11,890 1 -

C.Operating Profi t Before Provision (B.-3.6-3.7) 32,355 32,357 (2) -

3.8 Provision for Possible Losses - - -

D. Operating Profi t (C.-3.8) 32,355 32,357 (2) (0.01)3.9 Non Operating Income/Expenses(Net) 35,055 35,055 (0) (0.00)3.10 Write Back of Provision for possible loss 10,087 9,146 941 9.33 Due to addition in provision

E.Profi t from Regular Activities (D.+3.9+3.10) 77,497 76,558 939 1.21 3.11 Extraordinary Income/Expenses(Net) - - - -

F.Profi t before Bonus and Taxes (E.+3.11) 77,497 76,558 939 1.21 3.12 Provision for Staff Bonus 7,045 6,960 85 1.21

3.13 Provision for Tax 23,139 18,779 4,360 18.84 Due to change in profi t

Deferred Tax Assets 1,996 (1,996) -

G.Net Profi t/Loss (F.-3.12-3.13) 47,313 48,823 (1,510) (3.19)

cg';"rL 4=35

49


Jebil's Finance Ltd.New Road, Kathmandu, Tel: 4220426/4220439/4247264 Fax: 977-1-4220402 website:www.jebils.com

Unaudited Financial Results (Quarterly)As at 4th Quarter (31/03/2072) of the Fiscal Year 2071/2072

S.No. Particulars This Quarter Ending Previous Quarter Ending

Corresponding Previous Year Quarter Ending

1 Total Capital and Liabilities (1.1 to 1.7) 1,160,226 1,086,661 1,023,220 1.1 Paid Up Capital 220,000 220,000 220,000 1.2 Reserves and Surplus 63,777 21,429 16,464 1.3 Debenture and Bond - - - 1.4 Borrowings - - - 1.5 Deposits (a+b)

a. Domestic Currency 864,120 838,612 767,659 b. Foreign Currency - - -

1.6 Income Tax Liability - - - 1.7 Other Liabilities 12,329 6,620 19,097

2 Total Assets (2.1 to 2.7) 1,160,226 1,086,661 1,023,220 2.1 Cash and Bank Balance 165,357 136,352 129,990 2.2 Money at Call and Short Notice 114,434 96,183 156,441 2.3 Investments 67,613 90,718 84,841 2.4 Loans and Advances (a+b+c+d+e+f) 771,349 713,751 620,976

a. Real Estate Loan - - - 1. Residential Real Estate Loan (Except Personal Home Loan upto Rs.1 Crore) - - - 2. Business Complex & Resdential Apartment Construction Loan 38,145 38,402 39,247 3. Income generating Commercial Complex Loan - - - 4. Other Real Estate Loan (Including Land Purchase & Plotting) - - - b. Personal Home Loan of Rs. 1 Crore or Less 155,500 164,622 74,774 c. Margin Type Loan 205,620 195,671 188,818 d. Term Loan 118,262 101,404 61,732 e. Overdraft Loan/TR Loan/WC Loan 109,968 104,184 113,966 f. Others 143,854 109,468 142,439

2.5 Fixed Assets 5,551 5,889 6,282 2.6 Non Banking Assets - - - 2.7 Other Assets 35,922 43,768 24,690

3 Profi t and Loss Account Up to This Quarter Up to Previous Quarter Up to Corresponding Previous Year Quarter

3.1 Interest Income 117,122 79,977 100,565 3.2 Interest Expense 68,411 51,540 62,020

A. Net Interest Income (3.1 - 3.2) 48,711 28,437 38,545 3.3 Fees,Commission and Discount 215 72 213 3.4 Other Operating Income 7,393 5,845 8,181 3.5 Foreign Exchange Gain/Loss (Net) - - -

B. Total Operating Income (A.+3.3+3.4+3.5) 56,319 34,354 46,939 3.6 Staff Expenses 12,073 8,444 10,883 3.7 Other Operating Expenses 11,891 8,446 11,769

C. Operating Profi t Before Provision (B.-3.6-3.7) 32,355 17,464 24,287 3.8 Provision for Possible Losses - 18,666 12,799

D. Operating Profi t (C.-3.8) 32,355 (1,202) 11,488 3.9 Non Operating Income/Expenses(Net) 35,055 8,717 58,455

3.10 Write Back of Provision for possible loss 10,087 120 260 E. Profi t from Regular Activities (D+3.9+3.10) 77,497 7,635 70,203

3.11 Extraordinary Income/Expenses(Net) - - - F. Profi t before Bonus and Taxes (E.+3.11) 77,497 7,635 70,203

3.12 Provision for Staff Bonus 7,045 694 6,382 3.13 Provision for Tax* 23,139 1,977 18,142

G. Net Profi t/Loss(F.-3.12-3.13) 47,313 4,964 45,679

4 Ratios At the End of This Quarter

At the End of Previous Quarter

At the End of Corresponding Previous Year Quarter

4.1 Capital Fund to RWA 29.80% 26.01% 29.25%4.2 Non Performing Loan (NPL) To Total Loan 4.97% 11.45% 10.92%4.3 Total Loan Loss Provision to Total NPL 95.82% 77.72% 69.55%4.4 Cost of Funds 7.40% 7.41% 8.90%4.5 Credit to Deposit Ratio ( Calculated as per NRB Directives) 70.84% 72.71% 67.00%4.6 Base Rate 11.90% 10.91% 13.31%

cg';"rL 4=c

Rs. In '000

50


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CHARTS OF DEPOSITS AND LOANS

54


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Documents

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